All Posts – Page 2 – TSP Insights

The Thrift Savings Plan (TSP) Life Annuity is a retirement income option available to federal employees participating in the TSP. Increased longevity and fear of outliving their retirement savings have prompted more retirees to explore this option to convert their TSP savings…

Tools and Resources by TSP Insight Author December 9, 2025

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TSP Updates

As 2026 approaches, the Thrift Savings Plan (TSP) is preparing to introduce a significant enhancement to retirement planning, while recent data signals shifting participant behavior. Now is an ideal time for federal employees and retirees to reassess their TSP strategy in light…

TSP Basics by TSP Insight Author December 2, 2025

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TSP Stock Funds Lead YTD Returns

A late-November stock-market rally helped deliver a boost to Thrift Savings Plan (TSP) performance in 2025, underscoring how strategic fund allocation can impact retirement outcomes. Federal employees with assets in the stock-based funds saw notable gains, while those in conservative funds experienced…

Tools and Resources by TSP Insight Author November 25, 2025

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Understanding TSP Installment Payments

For many FERS retirees, the combined income from their annuity and Social Security may fall short of covering all monthly expenses. To bridge this gap, setting up Thrift Savings Plan (TSP) installment payments can provide a reliable source of additional income. Here’s…

Tools and Resources by TSP Insight Author November 18, 2025

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An Overview of the TSP Lifecycle Funds

The Thrift Savings Plan (TSP) Lifecycle Funds, or L Funds, are designed to simplify retirement investing by automatically allocating contributions across the TSP’s five core funds: G, F, C, S, and I funds. These allocations are adjusted quarterly to balance risk and…

Financial Planning by TSP Insight Author November 11, 2025

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How Much Should You Have Saved in Your TSP by Age 50?

Planning for a federal retirement brings unique challenges, especially when most retirement advice targets private-sector employees without pensions like the FERS annuity. Federal employees have different benchmarks for savings, making it important to focus on guidelines tailored to your needs. By Age…

Investment Strategies by TSP Insight Author November 4, 2025

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Is the Roth TSP Right for You?

Federal employees have had the option to make after-tax contributions to the Roth Thrift Savings Plan (TSP) since spring 2012. This account offers the advantage of tax-free withdrawals in retirement, on top of the agency match. However, despite its potential benefits, the…

Financial Planning by TSP Insight Author October 28, 2025

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The Pros and Cons of Using Your TSP For College Tuition

If you haven’t been contributing to a 529 or pre-paid tuition plan for your child’s college tuition, you may be tempted to dip into your TSP to fund their education. Considering the high interest rate climate we find ourselves in, many parents…

Federal Benefits by TSP Insight Author October 21, 2025

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The Pros & Cons Of The Roth Thrift Savings Plan (TSP)

In 2012, the Thrift Savings Plan (TSP) introduced the Roth TSP option, allowing federal employees to invest after-tax income and enjoy tax-free withdrawals in retirement. If you’re wondering whether the Roth TSP is a good fit for your financial future, here’s a…

Retirement Planning by TSP Insight Author October 14, 2025

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The Rule Of 55

If circumstances require you to take an in-service withdrawal from your Thrift Savings Plan (TSP) before you hit 59½, you’re subject to an IRS 10% penalty. This is in addition to the regular income taxes you’ll owe on the tax-deferred portion of…