RMDs When You Have More Than One Retirement Account
The word “aggregate” can be a noun, a verb, or an adjective. In this article, we’re looking at it as …More
TSP
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Do You Really Need to Save 10X Salary for Retirement? Not if You Have a Pension
Have you ever read an article in the financial media in which you were told that you need to save …More
Inherited and Roth IRAs: What’s in a Year?
When is a year not a year? When it is defined by the tax code, that’s when! Be careful when …More
2020 Brought Retirement Saving Changes, Some Permanent
In 2020 we had many tax related changes introduced by the coronavirus aid, relief, and economic security (CARES) act. The …More
Funding an IRA with a Tax Refund
Some of us may have already filed our federal income tax returns and many of us are expecting refunds. In …More
TSP: Questions to Ask a Tax Advisor
We’re getting close to tax time and many readers are beginning to organize their tax information in preparation for filing …More
Interest Rates are Rising: Good for Some, Bad for Others
Over the past week, long-duration Treasury rates moved up surprisingly quickly. The 10-year Treasury rate is now at 1.34%. If …More
Lessons Learned Growing a TSP Balance Beyond $1M
I’m a FERS retiree and one of those TSP investors who have accumulated at least $1,000,000 in their TSP account …More
Turbulent Climb Higher for TSP Funds
The stock market experienced some turbulence over the past couple weeks, but so far has managed to recover. The S&P …More
How Will You Use Your TSP When You Retire?
For what purpose will you use your Thrift Savings Plan after you retire? I suspect that most readers will use …More
Still Not Too Late for 2020 Retirement Contributions
It’s not too late to set money aside for retirement for the year 2020! If you have not yet made …More
Markets Touch New All Time Highs: Short Bets Squeezed Out
The S&P 500, which is tracked by the C Fund and represents over 80% of the stock market capitalization of …More
TSP Switching to Spillover Contributions; But Pay Attention!
2021 looks like a year where we can get by with making few, if any, changes to our Thrift Savings …More
Pro-rata: How Much of Your IRA Distribution is Taxable
What is the pro-rata rule? It’s a formula used with Individual Retirement Arrangements (IRAs) to determine how much of an …More
Market Exuberance Hits a Peak
The stock market hit a number of new records last week related to exuberance. This chart, for example, shows the …More
Turbulent Start for TSP as Valuations Remain High
Markets began this week with a sell-off. The S&P 500 was down on Monday, with high-flying tech stocks down more …More
Best Time to Call ThriftLine? Not Monday or Tuesday Morning
“Call me, don’t be afraid, you can call me, Maybe it’s late but just call me, Tell me and I’ll …More
New Life Expectancy Tables Postponed
A year ago, in November 2019, the Internal Revenue Service (IRS) proposed to use new life expectancy tables to calculate …More
The TSP Concludes a Strong Year
The Thrift Savings Plan ended a strong year for 2020, despite the big shock that hit the global economy. A …More
Taking Stock of Retirement Savings in the New Year
2021 is right around the corner. It’s time now to take stock of what we expect to happen in the …More
New Year Resolutions: TSP and Retirement
Are you thinking of making New Year’s resolutions for 2021? Don’t forget resolutions that will impact your Thrift Savings Plan …More
The G Fund is Underperforming Inflation
The G Fund has historically been an excellent savings vehicle since the 1980s, and unique for federal employees. Usually, longer-duration …More
Sticking with an Investment Plan Through Wild Times
2020 has been a wild year for everyone, including investors. The biggest economic shock in modern history, coupled with the …More
End of Year Considerations for Retirement Saving
We’re nearing the end of 2020 (Thank God!) and there’s still time to be sure you take advantage of the …More
No Interest Loan? You Can Tap Your IRA
Interest rates are as low as I’ve ever seen them – and I’m old. I’m not quite as old as …More
TSP: Stocks and The Economy Diverge
As many folks know by now, this has been an unusual year for most asset prices. Despite the biggest economic …More
TSP: Get Year End Withdrawal Timing Right
At the end of each calendar year the Thrift Savings Plan changes its processing schedule – which is a good …More
Very Strong November for TSP; C Fund Concentration
Equity indices are finishing out a very strong November, with the S&P 500 roughly at all-time highs. Here’s a 3-year …More
TSP: Markets May Be Rotating; S Fund vs. C Fund
Every decade or two, markets tend to have big rotations of performance. In other words, there are large structural cycles …More
TSP: The Frightful and the Thankful this Fall
Halloween is past and Thanksgiving is coming up. Autumn is my favorite time of year, with the fall colors, the …More
