TSP in 2025: Gains, Tariffs, Rates and the Long View
The Thrift Savings Plan (TSP) has a 38-year history of success. It has been compared to many private sector index funds. Like …More
TSP
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Yes It’s OK to Spend Your TSP in Retirement
There is a reason why we have been setting aside money in our TSP (and hopefully, in other savings instruments …More
Getting Access to Your TSP Penalty Free
Retirement accounts like the Thrift Savings Plan (TSP), IRAs, and 401(k)s are some of the most powerful tools available for …More
Stock Funds Lead as TSP Starts Fall with Gains
All TSP funds posted gains in September, led by large company stock C fund, up 3.65 percent, the international stock …More
How Your FERS, Social Security and TSP Payments Get Taxed
How is your retirement income, specifically your FERS annuity, Social Security, and TSP withdrawals, taxed for federal income tax purposes? …More
A Common Refrain in Retirement Trainings: Wish I Had Known Sooner
Back when I was a retirement trainer, part of my role was to review course evaluations provided by students in …More
The 4 Percent Rule, Plus or Minus: You Can Always Adjust TSP Withdrawals
I’m sure that you’ve heard about the “4% rule”. This comes from the fact that many financial planners suggest beginning …More
OK, FERS and TSP, but What About Social Security Retirement Income?
I was born in November. So, this August I received a notice from the Social Security Administration (SSA) that my …More
Taxes Due on In-Plan Roth Conversions Cannot be Taken From TSP Money
Don’t forget, the TSP is going to allow in-plan Roth conversions beginning in January 2026. This will allow employees to …More
What Happens to a TSP When the Account Holder Dies
I’m sure that you remember earlier this year (May 30th) when Senator Joni Ernst (R-IA) said “We are all going …More
What TSP Millionaires Do That Others Don’t
Getting to a million in your TSP doesn’t happen by accident. There are certain principles that TSP millionaires know and …More
Is a $1M TSP the Right Goal for Me?
For many federal employees approaching retirement, hitting the $1 million mark in their Thrift Savings Plan (TSP) feels like the …More
TSP: Aphorisms on Growing Your Nest Egg, or Not
We’ve often said how important it is to have a robust Thrift Savings Plan (TSP) account by the time you …More
Maxing Out Government’s TSP Matching Before Year End
Are you a highly compensated FERS employee who contributes the maximum to the TSP each year? Don’t risk losing any …More
TSP Report Reveals Surprising Retirement Habits of Feds — Are You Missing the Mark?
Every June 30th, the Federal Retirement Thrift Investment Board publishes its Annual Report for the previous calendar year. What can …More
Your TSP is Better Than an IRA, but You Should Have Both
I’m a crossword puzzle fan. It started when I was commuting to the Loop five days a week. The period …More
There’s Still Time to Improve Your Finances for This Year
It’s not too early to make or adjust our financial plans for the end of 2025 and the beginning of …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
Should My TSP Investments Change at Retirement?
As you approach retirement, one of the most important financial questions federal employees face is: Should my TSP (Thrift Savings …More
Max Out Your TSP Before You Pursue Other Retirement Savings
What did we do for retirement savings before the Thrift Savings Plan made its debut back in 1987? The TSP …More
Opinion | Commentary
Reflections of an Over the Hill – Thankful – Federal Retiree
You’re over the hill! What hill, and when exactly did I go over it? We tend to view life differently …More
4 Reasons Why Target Date Funds May Miss the Bullseye
Lifecycle Fund, Target Date Fund, LifeStrategy Fund, Target Retirement Date Fund: Regardless of the name, these funds are all constructed …More
Doubling Your TSP (C Fund vs G Fund)
Federal employees enjoy the benefit of having a retirement account called the TSP (Thrift Savings Plan). The TSP was created …More
Not Yet Relics: CSRS About to Turn 105 y/o, Social Security Will be 90
There are several important anniversaries coming up for our retirement benefits over the next few months. August 1st will be …More
Renewed Threats to Federal Retirement Benefits: The Sequel
We’re seeing renewed threats to federal retirement and benefits in Congress. These are not new threats; we’ve seen them before, …More
Where Does Your Retirement Income Go When You Die?
On May 30th, Senator Joni Ernst (R-IA) told a town hall meeting, “We are all going to die.” No truer …More
TSP Roth: Want to Pay Less Taxes Now? Or More Later
Do you want to pay your federal income taxes now or later? “Never” is not an acceptable answer to this …More
Neglecting This Account? How Feds Could Use a Taxable Brokerage
Many federal employees who retire in their early to mid-50’s are sitting in a golden opportunity zone for tax planning. …More
TSP and Post-Retirement Spending: It’s OK to Draw it Down
Why do we put money aside in our Thrift Savings Plan? So that we can take it out of the …More
Survey Says: 27% of Boomers Have Nothing Saved for Retirement
It seems that every time you turn around you are reading or hearing about the results of a survey. That’s …More
