Retirement Staking Plan
The Retirement Staking Plan is a strategic betting approach aimed at medium-level recovery, effectively managing stakes to maintain control over your betting bank. When implemented correctly, it balances risk and reward, making it a favored choice among bettors.
This video has been designed to explain the Retirement Staking Plan and the available options in TSM when using the Retirement Staking Plan.
The Retirement Staking Plan is best described using rules. The rules can be explained as so:
For the first bet at the beginning of every betting sequence the following applies:
Divisor = Average Odds x 2
Stake = Percentage of Start Bank
Target = Stake x Divisor
For all other bets the Divisor stays as Average Odds x 2 unless :
- The amount of bets without a reset is greater than the divisor, in which case the divisor increases by 1
- The bet sequence is reset, in which case the Divisor starts again at Average Odds x 2
- When there is a winning bet but not enough to reset the sequence the divisor remains the same as the last divisor used, when the target was at the current target
Stake = Target / Divisor
Target = Current ‘Profit and Loss’ in bet sequence + original target at start of bet sequence
The bet sequence is reset when: A winning bet is made that causes the target to be less than the original target
EXTRA RULE: Every time the cumulative bank increases by 200 units the original target is increased by 10 – this remains a constant and never reduced.
Additional Notes – The average odds to use in The Staking Machine Software is calculated as follows – For fractional odds of 5/1 the average odds is calculated by using the 5 part of the fraction. For decimal odds the average odds is calculated by converting to fractional odds and taking the first part of the fraction. So for decimal odds of 5 the average odds entered in the Retirement Staking Plan Settings would be 4.
Let’s us have a look at an example in TSM using the following staking plan settings.
The target at the start of any series is always Stake x Divisor where the stake is the initial percent to bet. In our case 2% of £100 = £2. Our average odds is set at 3 so therefore the divisor is 2 x 3 = 6. This confirms our target as £2 x 6 = £12.
The first bet lost. Our Target is now the initial £12. Therefore our series loss is now £12 + £2 = £14. Our new target is £14.
The stake for the 2nd bet is £14 divided by the divisor of 6 = £2.33
The 2nd Bet lost. The target for the 3rd bet is now £12 + £2 + £2.33 = £16.33
Therefore the stake for the 3rd bet is £16.33 divided by the divisor of 6 = £2.72
The 3rd Bet won with a profit of £2.72
£16.33 – £2.72 = £13.61. That is the target for Bet 4.
Once we get to Bet 7 the divisor has increased to 7. This is because the amount of bets since a previous reset is greater than the divisor. When this happens the divisor increases by 1. In other words 7 Bets is greater than the divisor of 6. So the new divisor is 7.
Bet 7 target is £21.62. The stake is therefore £21.62 divided by 7 = £3.09
Bet 7 Won with a profit of £15.45. This makes the new target lower than our initial target of £12. Therefore the series resets and we start again.
Frequently Asked Questions
Answer: The Retirement Staking Plan is a medium-level recovery staking system designed to recover losses steadily while keeping stakes under control. It uses a dynamic target and divisor system that adjusts based on results, average odds, and the number of bets in the current sequence.It offers a balanced approach between safety and recovery speed.
Answer: It operates in betting sequences. The first bet uses a divisor based on your average odds. Subsequent stakes are calculated as the current target divided by the current divisor. The divisor increases gradually during losing runs, and the sequence resets when a win brings the target back to (or below) the original level. An optional rule also slowly increases the target as your bank grows.
Answer: It provides controlled recovery without the extreme stake escalation seen in more aggressive plans like Labouchere or full recovery systems. Stakes remain relatively manageable while still aiming to recover losses plus the original target.
Answer:
- Stakes gradually increase during losing sequences.
- Long losing runs can still push stakes higher (though the increasing divisor helps).
- Best results require a reasonable strike rate and accurate average odds setting.
Answer: It sits in the medium risk category — more aggressive than Level, Whitaker, or Square Root, but safer and more controlled than high-recovery plans like Pro, Labouchere, or Parlay.
Answer: Yes, but it performs best with systems that have a decent strike rate (around 40%+) and consistent average odds. It is popular with users who want steady recovery without wild stake swings.
Answer :
- Initial Stake % of starting bank
- Average Odds (very important for correct divisor)
- Minimum Divisor
Answer: It’s ideal for:
- Bettors seeking medium recovery with controlled risk
- Users with moderately consistent systems
- Those who want something between safe plans (Whitaker) and aggressive progression systems
- Experienced users who understand sequence-based staking
Answer: It is considered medium risk. It balances recovery speed with stake control, making it safer than pure negative progression systems but more dynamic than flat or low-risk plans.
Answer: Ratchet Mode locks in increases to your stake as your bank grows but prevents decreases during drawdowns. It’s useful if you want some compounding effect while still protecting against big losing runs.
Answer: It may not maximise profits compared to more aggressive plans, but it provides the clearest picture of your selection system’s true performance and offers excellent long-term sustainability.