To the Maximum and Beyond under CSRS
There are still a lot of employees covered by CSRS, many of them determined to keep on working until they …More
There are still a lot of employees covered by CSRS, many of them determined to keep on working until they …More
Many types of assets ask you to name a beneficiary. They include IRAs, life insurance policies, annuities, payable on death …More
A study breaking personal spending patterns into categories has found that those patterns do not change in retirement for most, …More
Under the Federal Employees Health Benefits program, the following qualify as a child: “children under age 26, including adopted children, …More
If you think, or know, that your reduced income during retirement will not go far enough to cover your expenses, …More
While only small percentages of individual retirement account holders take early withdrawals from those savings annually, such withdrawals can have …More
You may be eligible for disability retirement if you are so disabled by disease or injury that you aren’t able …More
Any trust created while the grantor is alive is a “living trust” but the term is often used to describe …More
An audit has criticized the Social Security Administration for failing to fully explain how the government pension offset will reduce …More
Two of the best features of the FEHB program is that almost all employees can carry the coverage into retirement …More
You may lose the ability to manage your own affairs as you grow older. Therefore, good financial planning should include …More
An inspector general audit at the Social Security Administration found errors in more than half of a sampling of beneficiaries …More
Federal Employees Health Benefits program carriers are obligated to follow standard coordination of benefit rules established by the National Association …More
Homeowners insurance cab be expensive but you can trim those costs if you qualify for certain discounts. Possibly you already …More
Severe health shocks can cut short working careers with long-term consequences on financial security, according to a study by the …More
Perhaps the least-understood form of federal retirement eligibility is discontinued service retirement, or DSR. As the name implies, it applies …More
Every trust has a trustee, who holds property for one or more beneficiaries. Indeed, the most important person in the …More
Defined contribution retirement programs such as the FERS and CSRS civil service benefits contribute greatly to wealth not just of …More
If you are a FERS employee, you can retire on an immediate unreduced annuity with the following minimum combinations of …More
Revocable trusts, also known as living trusts, are increasingly popular. They can serve two main purposes: * Probate avoidance. Assets …More
A study tracking account balances of savers in 401(k) type programs comparable to the federal Thrift Savings Plan underscores the …More
While no one likes to think about the prospect of becoming disabled, it is important to understand disability coverage under …More
When you create a will, you’ll name an executor or personal representative. That person will be the “quarterback” of your …More
An inspector general audit has found weaknesses in the FEHB health insurance and FEDVIP dental-vision insurance programs, including repeating a …More
Generally speaking, while federal employees may pay FEHB premiums with pre-tax money under the “premium conversion” arrangement, retirees may not. …More
How much life insurance coverage do you need? Rather than follow a pre-set formula or one of the various “rules …More
Over a career many workers accumulate numerous and scattered retirement savings accounts, making it hard for them to get a …More
In order to carry Federal Employees Health Benefits program coverage into retirement, you need to have been covered by the …More
If you draw up a will, any property included in that will must go through probate before it can pass …More
Health insurance coverage is “the benefit employees say contributes most to their feelings of financial security,” even more than retirement …More
TSP | L Income | L 2020 | L 2030 | L 2040 | L 2050 | G Fund | F Fund | C Fund | S Fund | I Fund |
---|---|---|---|---|---|---|---|---|---|---|
Feb | 1.29% | % | 2.74% | 3.2% | 3.62% | 0.33% | -1.41% | 5.34% | 6.03% | 2.74% |
YTD | 1.66% | % | 3.15% | 3.62% | 4.04% | 0.67% | -1.6% | 7.1% | 3.48% | 2.51% |
10yr | 4.1% | % | 6.98% | 7.73% | 8.34% | 2.35% | 1.63% | 12.69% | 8.64% | 4.75% |