Singing the TSP’s Praises
In 1979, punk rocker Ian Dury released a song called Reasons to be Cheerful, Part 3. The song included such …More
TSP
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How to Complement Your TSP with Other Asset Classes
The Thrift Savings Plan is elegant in its simplicity, offering investors five diversified low-cost funds and a lifecycle option to …More
The Key Insight from Warren Buffett’s Shareholder Letter
While it could have been worse, February was a rough month for the TSP. The C Fund went down 3.6%, …More
Ideas for “Rothification” Likely to Come up Again
There’s a new term gaining traction in the retirement/financial planning industry – “Rothification”. You won’t find that term in your …More
TSP Performance All About Interest Rates Lately
The TSP equity funds have partially recovered from their recent correction, but so far are still down compared to the …More
Volatility is a Healthy Part of Equity Investing
It’s been a volatile few weeks for the TSP. The C Fund, for example, dropped about 10% from its January …More
Budget Proposes Trimming G Fund Rate
The Administration’s 2019 budget proposes to significantly lower the rate earned by the G Fund. In particular it would change …More
The TSP Had Its Most Volatile Two Weeks Since 2011
The TSP equity funds have had an extremely volatile and poor-performing two-week period. It hasn’t been this bad since we …More
2 Smart Methods to Preserve TSP Capital
Last week was the worst week for the Dow Jones Industrial Average in the last two years. Investors were spooked …More
TSP in Tax Season
Tax time is upon us. The Thrift Savings Plan sent out forms 1099-R (and posted them in the “my account” …More
TSP Had Roaring Start in 2018
The equity funds had an aggressive start to 2018. For January, the C Fund was up 7.5%, the S Fund …More
By This Metric, Stocks Have Never Been More Expensive
According to most valuation metrics, the S&P 500 and the C Fund that follows it is in its second most …More
Roth IRAs and the Roth TSP Option
It was twenty years ago today when Senator William Roth, R-Del., finally convinced his colleagues to approve a new type …More
TSP Missed Out on Emerging Market Boom in 2017
While 2017 was a very strong year for most TSP investors, many missed out on the impressive 37.2% gain in …More
Tax Law Removes Ability to Undo Roth Conversions
The new tax law, the Tax Cuts and Jobs Act (TCJA), largely avoided changes in regard to retirement savings, but …More
5 Misconceptions About Minimum Distributions From Your TSP
1) You must begin withdrawals when you turn 70 ½ In general, separated participants are expected (required) to begin withdrawing …More
December TSP News: Corporate Tax Cuts and Interest Rate Increases
December has been relatively flat for the TSP so far, with just mild gains for most of the funds. The …More
New Way Around “Roth Tax Trap”
Thrift Savings Board has announced an upcoming change that will make the Roth option in the Thrift Savings Plan much …More
TSP Contributions: Are You On Track for Retirement?
One of the most common and difficult steps of planning for retirement is determining whether you’re on track or not. …More
End-of-Year TSP Dates; December 15 Deadline to Change Monthly Amount
There are several dates to remember between the middle of December and the beginning of 2018 as it applies to …More
Number of TSP Pay-Date Contributions Varies by Payroll Service
Are there 26 or 27 pay dates in 2018? The answer is Yes! Two of the payroll service providers will …More
November Another Strong Month for TSP, Continued High Valuations
In November so far, the C Fund is up 1.2%, the S Fund is up 1.6%, and the I Fund …More
IRA Phase-Out Changes for 2018
Some federal employees don’t realize they can contribute to both the TSP and an IRA, they’re not mutually exclusive retirement …More
Your TSP Withdrawal Forms are Final, Get it Right
New TSP withdrawal options are in the works after passage of legislation allowing multiple age-based in-service withdrawals and multiple post-separation …More
Valuation Outpacing Income: Bubble Forming?
One metric I like to keep track of is the ratio of net worth to disposable income. When the ratio …More
Increase in TSP Contribution Limit
The IRS has announced a $500 increase in the elective deferral limit for 2018, allowing TSP participants to contribute up …More
Tech Stocks Lead the C Fund Higher in October
October has been yet another strong period for the TSP. So far in the month, the G Fund is up …More
TSP Demands More of Your Attention than FERS, Social Security
Those of us under the FERS retirement system have three major sources of retirement income that derive from our work …More
TSP Withdraw Strategies for a Lifetime Income Stream
In order to get a lifetime, inflation indexed, stream of income from the Thrift Savings Plan (or similar retirement savings …More
