All Posts – Page 2 – TSP Insights

Retirement planning advice is everywhere. Save 10 to 15 times your salary. Budget $300,000 or more for healthcare. Maximize your retirement contributions every year. For private-sector workers, that guidance is reasonable. For federal employees under FERS or CSRS, it can send you…

Investment Strategies by TSP Insight Author March 10, 2026

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Safeguarding Your TSP Savings Amid Market Swings

Navigating your Thrift Savings Plan (TSP) during periods of market volatility involves weighing the potential for growth against the need for protection. Two main approaches stand out: seizing opportunities by investing more in equities when prices fall, and shifting toward stability to…

TSP Basics by TSP Insight Author March 3, 2026

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TSP February 2026 Review: Global Equities Shine as U.S. Markets Pause

February 2026 marked a clear turning point for Thrift Savings Plan (TSP) participants, with international stocks delivering standout gains while U.S. equities faced headwinds. Economic crosscurrents sparked a rotation toward overseas markets and away from U.S. mega-caps. This dynamic highlighted the TSP's…

TSP Basics by TSP Insight Author February 24, 2026

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What Happens to Your TSP When You Die?

Your TSP account doesn't follow your will. It doesn't follow a divorce agreement, a prenuptial arrangement, or a court order. It goes to whoever is listed on your TSP beneficiary designation form. If you've never filled out Form TSP-3, or haven't updated…

Investment Strategies by TSP Insight Author February 17, 2026

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The TSP G Fund: Safe by Design, Limited by Nature

When markets feel unpredictable, many federal employees respond by moving more of their Thrift Savings Plan into the G Fund. As retirement approaches and volatility dominates the news, that decision can feel both logical and comforting. The G Fund offers stability, steady…

Financial Planning by TSP Insight Author February 10, 2026

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TSP Performance Update: January 2026

All Thrift Savings Plan (TSP) funds posted positive returns in January 2026, giving federal employees a strong start to the year. International stocks led the way as global markets rallied, while U.S. equities and bond funds delivered more modest gains. Among the…

Retirement Planning by TSP Insight Author February 3, 2026

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Access Your TSP Early – Without Penalties

Retirement doesn't always align with age 59½ for federal employees, leaving many wondering how to tap into their Thrift Savings Plan (TSP) funds sooner without hefty penalties. The good news is, you can often avoid the standard 10% early withdrawal penalty if…

Retirement Planning by TSP Insight Author January 27, 2026

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The Best Dates to Retire in 2026

The right timing can greatly impact your federal retirement by helping you maximize your annuity start date, annual leave lump-sum payout, sick leave credit, and overall cash flow during the transition to retirement. Poor timing, on the other hand, could mean forfeiting…

Investment Strategies by TSP Insight Author January 20, 2026

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TSP Millionaire Count Rises as Long-Term Growth Continues

The number of Thrift Savings Plan (TSP) participants with seven-figure account balances continues to rise, underscoring the impact of long-term participation and sustained market growth on federal retirement savings. As of January 1, 2026, a record 194,722 TSP account holders reported balances…

Investment Strategies by TSP Insight Author January 13, 2026

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TSP Stock Funds Post Strong 2025 Returns

For the second year in a row, all TSP funds ended the year in positive territory. Federal employees heavily invested in the I Fund benefited from an impressive 32.45% return, the highest ever for that fund. Stock-based funds (C, S & I)…