The TSP Rollercoaster vs. the G Fund Merry-Go-Round
During my 37 years of being a Thrift Saving Plan (TSP) participant, I have been on many different TSP Rollercoasters, …More
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Retirement Account Early Withdrawal Penalties and RMDs
A 10% early withdrawal penalty will apply to any post separation withdrawals from the TSP that are taken before the …More
Contact Info for the TSP ThriftLine
It’s hard to hit a moving target. Well, the Thrift Savings Plan has moved a few times in its lifetime. …More
Federal Benefits Check Boxes for Comfortable Retirement
Are we lucky, or what? I tend to read almost every article I see if the title indicates it’s about …More
TSP, Slow but Steady
No one has ever accused the TSP of being an early adopter of change. Here are a few examples of …More
Automate Your Savings: If You Don’t See it, You Won’t Miss It
Can avoiding a daily latte, or avocado toast put you on track for a successful retirement? According to financial author …More
Survey: Most TSP Participants Lack Outside Savings But Confidence Ticks Up
Earlier this year we looked at the results of the Federal Retirement Thrift Investment Board’s 2023 financial wellness survey and some …More
A Walk Through the TSP Website, July 2024
In June of 2022, the Thrift Savings Plan (TSP) Board did a major overhaul of the TSP website to make …More
Is 100 Percent in the C Fund a Good Idea?
Federal employees enjoy various benefits. One benefit most federal employees rely on in retirement is the TSP (Thrift Savings Plan). …More
More Equities in Your TSP Account by 2032? You Don’t Have That Long to Wait!
The Federal Retirement Thrift Investment Board (FRTIB)—the entity responsible for administering the TSP—recently published their May 2024 meeting minutes. In …More
Remaining in the TSP at Separation One of Four Options
How does the Government Accountability Office agree with the Temptations? They both think that it’s a “ball of confusion, that’s …More
TSP Doing Away with Security Questions as Part of Auth Process
The Thrift Savings Plan announced recently that they will no longer be using security questions as part of their multi-factor …More
Time to Embrace the TSP Mutual Fund Window, Warts and All
I have read many of the articles. I have even written a few of them myself. Yes, the TSP’s mutual …More
Best TSP Investment Strategies in 2024
Success in the TSP is not magic or accidental. It only happens when federal employees follow a few key principles. …More
College is Expensive: Are TSP Withdrawals an Option?
Education is one of the most significant investments you can make in your children, grandchildren, or other loved ones’ futures. …More
The Size of the TSP Funds Don’t Always Match Performance
Does size matter? There’s a large injury law firm that advertises a lot in our market and one of their …More
Have $1.5M in You TSP? Don’t Worry FERS and Social Security Will Make Up for It
Do you have $1,460,000 saved up for retirement? According to a study conducted by Northwestern Mutual, this amount is what …More
TSP Ending ‘Arbitrary’ 30-Day Wait Period Between Withdrawals
The Thrift Savings Plan is making it even easier for separated participants to withdraw funds. Effective May 15, 2024, there …More
Think a Will Determines Who Gets Your TSP? Think Again
“Where there’s a will, there’s a way.” According to Merriam-Webster®, this idiom means that “…if someone has the desire and …More
TSP L Funds a the Default, but Not Ideal for Everyone
There are 5 basic TSP funds: C, S, I, G, & F. Each fund has different characteristics that can be …More
How Much Would the Impending I Fund Change Have Already Cost You?
Thankfully, the I Fund’s index through the end of May 2024 hasn’t changed much. How do I know? Last month, …More
More Than One Retirement Account? Beware Contribution Penalties
Many of us who write articles on federal retirement are fond of saying that “…there’s no such thing as too …More
Should You Elect a Survivor Annuity? It Depends
Have you ever asked a human resources specialist a question about federal retirement and gotten the answer “It depends”? The …More
4 Key Reasons Why TSP Lifecycle Funds May Miss the Target
Lifecycle Fund, Target Date Fund, LifeStrategy Fund, Target Retirement Date Fund: Regardless of the branding, these funds are all constructed …More
Changes to Catch-Up Contributions Coming
We’re only in the second quarter of calendar year 2024, and the Thrift Savings Plan is already planning for implementing …More
Are Your Savings Goals SMART?
You probably have both made and broken New Year’s Resolutions for 2024 by now. In fact, Fall Off the Wagon …More
A Fund to Prevent Emergency Withdrawals from Your TSP
You should have money set aside for emergencies, even if your main goal is funding your retirement. Having a readily …More
Five Common Mistakes TSP Participants Should Avoid
There are approximately 6.9 million active TSP (Thrift Saving Plan) participants. They are active employees and retired employees who make …More
What do Over 4,500 of Your TSP Colleagues Know That You Don’t?
As of February 2024, there were over 4,500 TSP participants enrolled in the TSP’s mutual fund window, according to the …More
May To-Do List: Check Life Insurance, Start/Fund a 529 Plan
There are two “days” in May that deal with financial issues that should be important to us. First is May …More
