Lessons in Hamlet on Saving and Investing
Hamlet is perhaps the most quoted of Shakespeare’s plays and, when recently watching the Kenneth Branagh movie of Hamlet, I …More
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SECURE 2.0 Implementation: Roth Catch-up Rule Pushed Back
Here’s more news about the implementation of SECURE 2.0. In a recent article, we discussed a provision of the Act …More
SECURE Act? How about FIRE and the Retire Early Movement
As government workers or members of the uniformed services, we’ve gotten used to acronyms. In fact, you will sometimes run …More
New Stats on TSP Loans and Hardship Withdraws for FERS Participants
In an earlier article, we looked at some of the results of the Thrift Board’s recently released statistics on plan …More
A “Scorecard” for Retirement Investing
“You can’t tell the players without a scorecard!” That phrase was shouted by hawkers at ballparks back when my father …More
Potential Ban on Investment in China Threatens New TSP Mutual Fund Window
You may recall that, back in May, Senator Marco Rubio (R-FL) introduced bill S. 1650 which, if enacted, would prohibit …More
Social Security and When to Withdrawal from Your TSP, IRA
Did you know that Social Security benefits are subject to federal income taxes? This fact can make you think twice …More
TSP Investment Allocations for Those Under FERS
In an earlier article we looked at some of the results of the Thrift Board’s recently released statistics on plan …More
Should You Rebalance Your TSP Investments?
Does it make sense to periodically rebalance your investments in the Thrift Savings Plan? Most financial advisors would say “yes” …More
TSP and IRA: ‘Get Ready’ for SECURE 2.0
Get Ready! Groups such as the Temptations and Rare Earth have exhorted us to get ready, now it’s our turn. …More
Bumpy Rollout of New TSP System Leads to Lawsuit
It’s been over a year since the Thrift Savings Plan implemented a new record-keeping contract, with Accenture and Alight being …More
Invest your TSP Like a Pro & Avoid these TSP Mistakes
Opening your TSP statement and seeing your balance lower than you expected can feel like a punch to the gut. …More
Traditional TSP vs. Roth TSP: Which One Should You Use in 2023?
As a federal employee, you have the option to contribute to a Thrift Savings Plan (TSP) as part of your …More
If You Want a Bucket Strategy, Consider an IRA
Almost 40 % of financial advisors suggest that individuals use a “bucket strategy” in withdrawing from retirement savings. A bucket …More
Thrift Savings Plan: Taking the Good with the Bad
“You’ve got to take the bad along with the good.” Most of us have heard that saying many times over …More
What it Takes to Be a TSP Millionaire in Today’s Dollars
As of Q2 2023, there are over 88,000 TSP accounts with over a million-dollar account balance, and well over 300,000 …More
TSP Differences for Federal Law Enforcement, Firefighters
Special category employees (SCEs) have somewhat different rules regarding FERS retirement and the Thrift Savings Plan (TSP). We’ll look at …More
TSP vs. IRAs: Key Differences
Lots of federal employees and retirees have some mistaken ideas and thoughts about the Thrift Savings Plan and how it …More
TSP Distributions in Retirement or: How I Learned to Stop Worrying and Love My Lifecycle Fund
Conceptually, saving for retirement is pretty straightforward: save early, save often, let the power of compounding do the heavy lifting. …More
Who’s Your TSP Beneficiary?
Who’s your beneficiary? It’s important to have your wishes as to who you want to inherit your Thrift Savings Plan …More
Is Your Primary Residence an Investment?
Should you consider your principal residence an investment? This calls for a familiar answer – “it depends”. Housing prices skyrocketed …More
Retirement is One Thing You Can’t Get a Loan For
“I can’t contribute more to the TSP because I have kids in college”. Those who urge federal employees to set …More
Retirement Contributions for Prior Years
Carole King crooned “it’s too late baby, it’s too late” in 1971 and it truly is too late for some …More
Retiring Mid Year? Consider Front-Loading Your TSP
Do your plans include retirement this year? If so – good for you! Many people choose to retire at the …More
TSP: Sometimes Less is More
One feature that many Thrift Savings Plan participants like about the TSP is its relatively simplicity. There are only five …More
By the Numbers: Some Financial Statistics to Consider
We’ve gotten good feedback about our earlier “survey says” article and there’s no shortage of statistics (most from surveys) to …More
The TSP and Famous Quotes on Investing: “Everything Will End Badly”
It’s easy to get confused if you’ve been reading articles about the economy in general and the stock market. On …More
FERS, TSP and Leaving a Federal Job Before Retirement Age
Not everyone who starts a federal career will end up still being a federal employee at the time they retire. …More
Change is Constant with the TSP
Change is the only constant in life said Greek philosopher Heraclitus. I cannot find in what year he made this …More
“What Goes Up, Must Come Down” Ringing True Lately
“What goes up, must come down” begins the 1968 folk hit Spinning Wheel by Blood, Sweat, and Tears. Were they …More
