What is QUALIFIED RETIREMENT ACCOUNT
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Thrift Savings Plan
A Stolen Timeline
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
USPS
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
TSP, can’t take it with me, will my beneficiary get it?
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
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IN FINANCIAL STORMS, WHERE TO FIND A SAFE HARBOR
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
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TSP Update:
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
“HELP! I cannot access my TSP!”
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
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MANAGING YOUR TSP
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
Social Security Benefits You May Be Unaware
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
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What Does Rate of Return mean to your TSP/IRA, 403(b) or 401(k)?
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’
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