Notes on the TSP at Year’s End
The Thrift Savings Plan has gone to “two-step authentication” when you log in to your account. When you log in …More
TSP
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Differences Between the TSP and IRAs
The Thrift Savings Plan (TSP) is generally more restrictive than an Individual Retirement Arrangement (IRA). This fact shouldn’t come as …More
More Record-Breaking Performance for the TSP in December
Santa has been kind to the TSP this year, and December has so far held up to its reputation as …More
Global Political Resolutions Boosted the TSP Last Week
This past week was a big one for global markets, and propelled the S&P 500, which is tracked by the …More
10 New Year Financial Resolutions: Pick One
It’s time for us to think about New Year’s resolutions. Most of us know we should be healthier in multiple …More
TSP: Year End Considerations for RMDs and Withdrawals
At the end of each calendar year the Thrift Savings Plan changes its processing schedule – which is a good …More
TSP Funds to Continue Climb? Conflicting Signals about True Economic Growth
Last week was one of the more volatile weeks within the past couple months, as the S&P 500 and other …More
Will the TSP Have a Santa Rally This Year?
The S&P 500, which the C Fund tracks, reached new all-time highs again last week. It reached over 3150 before …More
The Stock Market Remains Elevated with Low Volatility
Last week was a relatively flat and slightly down week for the S&P 500, which the C Fund tracks. The …More
Longer: New Life Expectancy Tables Likely for 2021
The IRS recently proposed an update to its life expectancy tables (these are the actuarial tables used to value annuities, …More
Don’t Forget About Inflation
Inflation is so low that we have nothing to worry about, right? Wrong. As long as we have inflation a …More
C Fund Reaches New Highs While S Fund and I Fund Lag
This past week as an incredible week for large cap U.S. stocks, with both the blue-chip Dow Jones Industrial Average …More
TSP Investment Limit Increase
TSP participants will be able to set aside another $500 in 2020 because the elective deferral limit was increased from …More
Equal Payments to Avoid 10% Early Withdrawal Penalty
Internal Revenue Service rule 72(t) deals with substantially equal periodic payments and how they can be used to avoid the …More
Exceptions to the TSP Early Withdrawal Penalty
I recently was contacted by a retired federal employee who wanted to take money out of his TSP for medical …More
The C Fund Roars to New All-Time Highs
The S&P 500 large stock index, and the C Fund that tracks it, increased to new all-time highs last week. …More
The I Fund Has Been Caught Up in Politics
Aside from the G Fund that invests in special treasuries, the TSP uses index funds for its other funds, meaning …More
Brexit Delay: Continued Uncertainty for the I Fund
Brexit uncertainty continues to have a big impact on the I Fund. Until a couple days ago, the plan was …More
Auto-Enrollment Default Set to Rise to 5 Percent
For the last several years, new hires have been automatically enrolled in the TSP at a 3% contribution level. When …More
Even Small TSP Contributions Still Worth Making
“It takes money to make money” is an old saying that has been, is, and will be true. If you …More
A Weaker Dollar is Giving International Stocks Signs of Life
During the past week, the large-cap C Fund increased 0.55%, the 0.68% small-cap S Fund increased 0.68%, and the international …More
Trade War De-Escalation and a Major Shift in U.S. Monetary Policy
The S&P 500, tracked by the C Fund, continued a choppy sideways pattern last week near the psychologically important 3,000 …More
Think Twice Before Rolling Over Your TSP
Though they have been climbing steadily the last few years, the TSP fund expenses are still among the lowest that …More
End of Year Reminder on TSP Taxes and Contributions
It’s time to get ready for a possible change in the amount one can contribute to the TSP and it’s …More
The TSP Remains Choppy with Mixed Economic Data
A significant amount of economic data came out last week. Earlier in the week, disappointing private jobs data came out, …More
Tax Rules Differ When Taking from a Roth TSP vs. Roth IRA
There are some differences between the Roth TSP and a Roth IRA when it comes to withdrawals that could cost …More
Previous Shutdown Revealed Lack of Emergency Savings
Have you ever been sick with a bad cold of the flu and wondered if you would ever feel normal …More
Brexit Uncertainty Continues to Hang Over the I Fund
While the United States deals with the uncertainty of a presidential impeachment inquiry and the ongoing China/U.S. trade war, the …More
More Big Activity for the TSP Under the Surface
Aside from the attack on Saudi Arabia that shut down half of their oil exports and pushed the global price …More
A Lot Happened Under the Surface of the TSP Last Week
Last week was one of the most active weeks in the market in years, but you wouldn’t guess it from …More
