By now, I’ll bet that most Thrift Savings Plan investors have figured out that actively trading TSP funds, either for short-term profits or to avoid short-term losses, is an unreliable way to fund their retirement standard of living. But if speculating on short-term moves in share prices is the wrong way to try to build wealth, then what is the right way? Buy and hold? There is no shortage of advocates for the proposition that simply buying quality investments and then holding them indefinitely will lead to superior investment results. I’m sorry to say it’s not that easy. For starters, the…