Federal Employee Information Partnership
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 »
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 »
Recession in 2023? It is being anticipated by most financial experts.
What Does Wall Street Expect in 2023 Read More »
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 one has until retirement, the more
TAKE CONTROL OF YOUR TSP Read More »
If we know a fund will decline, we are likely to move to a fund which is not losing. Right? This makes sense, but what is confusing to many is the timing of the move to a different funds. The advice most headed is put it away and forget it. This may not be a
This TSP Fund That TSP Fund, How to Decide? Read More »
Understanding the Regulations: First, understand if you are looking to convert your Traditional TSP into a ROTH, regulations say you cannot do so and remain in the TSP. TSP says that is a No No. If you do want to convert, then you must transfer your traditional TSP out of the TSP program. Next, you
The TSP ROTH Conversion Read More »
Q: “I am a decade away from my retirement, how will I know I will have enough income to retire?” A: First, you are wise to look this far ahead, so you are not caught short and not be able to recover: First, keep good records, so any change in your employment, pay or benefits
RETIREMENT: How Will I know I have Enough Saved? Read More »
What are the most important parts of planning for your retirement? Planning for the survivor and family when you die. You will notice, I said ‘When’ because we all are, so it is best to make plans early, we never know when that last day will come. We all know someone old, very old, maybe
The income earners and consumers are in trouble. Although some are getting raises from Social Security, federal and state employee COLA, union contracts being re-committed, it is not enough to keep up. Higher salaries mean higher cost to companies and manufacturers, thereby increasing the rate of inflation; are chasing our tail. Bigger brains than me,
The Economy: An Opinion. Read More »
If you are counting on converting from your Traditional TSP into a TSP Roth, I have some news for you… You cannot. TSP has no provision and indeed prevents anyone from converting the Traditional TSP to a ROTH. If this is important to you, you will have to transfer out of TSP into an IRA
TSP to ROTH Conversion Read More »