Federal Employee Information Partnership
The basis in planning a vacation or retirement is where you begin the first step and know your destination. Detours and roadblocks can spoil the best laid plans.
The Importance of Self-Management by Rebalancing If you’re going to use the individual TSP funds to build your portfolio, you’ll want to rebalance periodically. Rebalancing is the process of bringing your portfolio back into line with the overall allocation you want to maintain based on the level of return and risk you’re targeting. The longer
Most TSP members are not aware, the government has provided a ‘silent’ subsidy in your G Fund investments. Effectively, the G Fund has been investing in the long-term U.S. securities, but paying on the long-term securities. Thereby, offering a higher return to the TSP member, than TSP earns. This is a good deal for those
The G Fund Subsidy Read More »
We receive many questions regarding the Service Computation Date (SCD), as it seems very confusing. Different dates in different places? Correction, ‘Seems’ confusing is incorrect, it IS confusing, so let me try and provide some clarity. There are four (4) different SCD dates. Each federal employee has four (4) possible computation dates (comp date): This
Service Computation Date (SCD) Read More »
The designated Beneficiary, may be the most overlooked, misunderstood and even neglected important retirement detail and we often see this given the least consideration in retirement planning. If you don’t plan right, it could cost thousands of dollars, it may hold up needed funds for a period, perhaps a long time, or may not reach
Your Beneficiary and Considerations Read More »
In the beginning, when an employee builds their qualified retirement account in TSP (and IRA or 401(k) ) required distributions seem a forever away. During the years of your career, a routine of savings and budget can build a nest-egg that, in the end, the distribution, now required at age 72, are not needed, wanted
THE UNWANTED Required Minimum Distribution (IRA, TSP,401(k) ) Read More »
In planning for retirement, of course, we all want the highest possible retirement income possible. If you are able or willing, here are few suggestions for the long term planning:
Beef Up Your Retirement Read More »
The day has arrived, you will be submitting your SF-3107 for retirement. The moment arrived faster than you anticipated, so you rushed through the process. Before you turn it in to HR, look it over and consider the following common mistakes: It is important that you meet a planner knowledgeable with the federal syste,
Common Problems When Applying for Retirement Read More »
Many times, throughout the year, an employee has an opportunity to stay on the job, put retirement off for a while to take or apply for promotion. When the promotion is approved, the picture has changed, especially for the retirement. Higher salary which leads to a higher H-3, and a bigger retirement. The most impact
Promotions and Retirement Read More »
Achieving retirement readiness is about both financial and mental preparation. It’s important to make sure you have both areas covered before you make the big move. Here are some tips and resources to help you prepare.
Achieving Retirement, needs a sharp pencil and calculator: Read More »