All Posts – TSP Insights

TSP Performance by TSP Insight Author 2 days ago

Roth TSP Hits $100 Billion: How the Tax Mechanics Work

The Roth TSP has crossed a major milestone. Roth balances reached about $101 billion in August, representing nearly 9% of the TSP's record $1.17 trillion in assets. About 2.9 million TSP participants, roughly 40% of account holders, now have money in Roth…

TSP Performance by TSP Insight Author October 6, 2026

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September 2026 TSP Returns: How the Funds Compared

September 2026 TSP returns were negative for nearly every fund. The G Fund was the only core fund to post a gain, while rising interest rates put pressure on both stocks and bonds. All 11 Lifecycle (L) Funds also lost ground. What…

Tools and Resources by TSP Insight Author September 29, 2026

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2027 Federal Retirement COLA: Forecasts Are Around 3.5%

The 2027 federal retirement COLA is currently tracking at about 3.3%, with two of the three months of inflation data now available. Some forecasts are putting the final number closer to 3.5%, but the official COLA won't be known until September's data…

Federal Benefits by TSP Insight Author September 22, 2026

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FEHB Family Member Verification Is Changing for Open Season 2026

If you're planning to add a spouse or child to your Federal Employees Health Benefits (FEHB) coverage during the 2026 Open Season, don't assume the enrollment process ends when you submit your election. OPM is moving toward 100% verification of Open Season…

Investment Strategies by TSP Insight Author September 15, 2026

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TSP F Fund: More Return, More Risk

The Thrift Savings Plan's F Fund was built to do one specific job: offer investors a little more return than the ultra-safe G Fund, in exchange for taking on a little more risk. Whether it's actually delivering on that promise right now…

TSP Performance by TSP Insight Author September 8, 2026

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TSP Performance in August: The I Fund Leads as All Five Core Funds Gain

TSP performance in August gave federal employees a rare clean sweep: all five core TSP funds finished the month higher. The I Fund led the way, continuing what has been one of the more notable trends for TSP investors this year. TSP…

TSP Basics by TSP Insight Author September 1, 2026

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How Maxing Out Your TSP Too Early Could Mean Missing Out on Agency Matching

For FERS employees, getting as much money as possible into the Thrift Savings Plan is an important part of retirement saving. But there's a timing issue that can catch people off guard: when you make those contributions can matter just as much…

Federal Benefits by TSP Insight Author August 25, 2026

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What Happens to Your Spouse If You Die Before Retirement?

Survivor benefits are often discussed in the context of retirement elections, but FERS employees have another layer of protection that can apply if they die while still working. In some cases, a surviving spouse may be entitled to both a lump-sum payment…

Retirement Planning by TSP Insight Author August 18, 2026

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National Make a Will Month: Don’t Forget Your TSP Beneficiary Designation

August is National Make a Will Month, making it a good time to review your estate plan. But before you put your will back in the drawer, take a few minutes to review your TSP beneficiary designation as well. Many federal employees…

TSP Performance by TSP Insight Author August 11, 2026

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TSP July Performance

S Fund volatility was on full display in July. After a 4.34% surge in June, which saw it lead the core funds, the S Fund became the weakest performer one month later, reminding investors why small-cap stocks often experience larger swings than…