All Posts – TSP Insights

TSP Basics by TSP Insight Author 2 days ago

TSP March Performance

Economic uncertainty led to a challenging month for TSP funds, particularly the stock-based funds. Here's how the core funds performed: G Fund (Government Securities): This fund, known for its stability, typically sees modest, positive returns regardless of market conditions. In March, it…

Financial Planning by TSP Insight Author April 1, 2025

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Steps To Take With Layoffs Looming

With many federal employees still reeling from mass layoffs, legal challenges, and job insecurity, it’s important to be prepared. Download Important Documents eOPF - You lose access to your Electronic Official Personnel File when you separate from service, so make sure that…

Investment Strategies by TSP Insight Author March 25, 2025

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Roadmap to Becoming a TSP Millionaire

According to 2024 data from the Federal Retirement Thrift Investment Board, the typical 60-year-old federal employee’s Thrift Savings Plan (TSP) balance sits at roughly $200,000. Enough for a cozy retirement? Possibly, depending on your spending habits and where you live. Yet, a…

Financial Planning by TSP Insight Author March 18, 2025

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Penalty-Free TSP Monthly Payments

Federal employees who exit service before age 55 can opt for monthly withdrawals from their traditional Thrift Savings Plan (TSP) based on their life expectancy. When executed correctly, these monthly payments avoid the 10% early withdrawal penalty, though they remain fully taxable.…

TSP Basics by TSP Insight Author March 11, 2025

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TSP February Performance

The Thrift Savings Plan (TSP) experienced a mixed bag of results in February 2025 amid a notably volatile stock market. The performance of TSP’s core funds — the G, F, C, S, and I Funds — offers insight into how broader market…

Financial Planning by TSP Insight Author March 4, 2025

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Drawbacks of the TSP vs IRA

The Thrift Savings Plan (TSP) was established by Congress in the Federal Employees Retirement System Act of 1986. Known for its low fees and simplicity, it’s one of the largest retirement plans in the world. There is currently around $985 billion invested…

FAQs by TSP Insight Author February 25, 2025

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TSP Options Following Separation

Federal employees are facing unprecedented job insecurity as each day brings fresh news of attempts to reduce the federal workforce. It’s never been more important to understand your federal benefits and what happens when you separate from service. Let’s take a minute…

Investment Strategies by TSP Insight Author February 18, 2025

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The C Fund and Your Retirement Strategy

The Thrift Savings Plan (TSP) is a retirement savings program for federal employees, offering various investment options to match different financial goals and risk levels. At its core, the TSP consists of five main funds—G, F, C, S, and I—each playing a…

TSP Basics by TSP Insight Author February 11, 2025

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TSP: Pros, Cons, and Alternatives

The Thrift Savings Plan (TSP) serves as one of the three key components designed to ensure financial stability for retired federal employees. For many, it plays a vital role in supplementing Social Security and FERS annuity benefits. While the TSP offers several…

Retirement Planning by TSP Insight Author February 4, 2025

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Effects of Early Retirement on Benefits and Annuities

Government agencies looking to downsize or restructure their workforce may offer eligible employees early retirement under Voluntary Early Retirement Authority (VERA). Effects on Your FERS Annuity The FERS annuity begins on the first day of the month following retirement. Your FERS Basic…

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