Federal Employee Information Partnership
If you look at the glossy brochures coming out of the big financial houses on Wall Street, they will tell you that the United States economy is a marvel of resilience. They use comfortable, scrubbed-clean phrases like “standard market cycle” and “healthy correction” and diversification to describe the terrifying cycles in your retirement account. They […]
An agency in trouble An institution that has bound this nation together since its very founding is, tonight, gasping for its life’s breath. In an unnatural and deeply sobering turn of events, the United States Postal Service has taken a drastic step—one born of necessity but steeped in a profound sense of loss. To stave
The federal employee, like any other citizen, faces a sobering reality: you cannot take it with you. For the civil servant, the Thrift Savings Plan has long been a fortress of financial security, but tonight we look at the cracks in that fortress. Consider a devoted retiree who spent thirty years building a nest egg
TSP, can’t take it with me, will my beneficiary get it? Read More »
In 2026, the markets look a lot like a stormy sea. But for those of you looking for a place to drop anchor, there’s a harbor where the water is always still. It’s the TSP G Fund. Now, it doesn’t follow the “giants of industry” or those “tech titans” that make the headlines. No, sir. It
IN FINANCIAL STORMS, WHERE TO FIND A SAFE HARBOR Read More »
Understanding the S Fund’s Nosedive — and Its Rebound TSP 101: Quick Refresher The Thrift Savings Plan (TSP) is the federal government’s version of a 401(k). It offers five core investment funds: The S Fund represents the “rest of the U.S. stock market” beyond the largest 500 companies. It carries more growth potential—but also more
Under what conditions can a TSP be frozen? Not many, but let’s look at Alexander’s, who called me this week with a huge “HELP! I cannot access my TSP!” Alex’ story: Alexander (Alex) is 63 years old, is married, with three grown kids, and plans to continue working with USDA for another 3 or 4
“HELP! I cannot access my TSP!” Read More »
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
Retirement planning involves making some very important decisions regarding your federal pension benefit, Thrift Savings Plan investments and Social Security. This week, I’d like to focus on the last of these, because it includes a variety of benefits, each with a specific time frame for claiming and unique rules regarding payouts. and each comes with its
Social Security Benefits You May Be Unaware Read More »
First, let’s look at the Employee Retirement Income Security Act of 1974 (ERISA) It was created to provide employees with a retirement boost in federally sponsored retirement benefits. To the federal employee as well as local government and private industry. The account are the TSP, but to include IRA, 401(k), 403(b) and other ‘Defined Contribution’
What Does Rate of Return mean to your TSP/IRA, 403(b) or 401(k)? Read More »
I get this question 3 or 5 times per month. The answer in three words, YOU CAN NOT! and here is why: If you really want to convert your TSP to ROTH, understand that first, the conversion is a taxable event, therefore, your income, from the job, the income from supplement or social security, the
Converting all my TSP to a ROTH TSP? Read More »