All Posts – Page 3 – TSP Insights

Investment Strategies by TSP Insight Author October 7, 2025

Rolling Funds From A 401(k) Into Your TSP Account

Thrift Savings Plan (TSP) participants who have eligible retirement plans like a 401(k), 403(b), or a traditional IRA can roll the money from those funds into their TSP account. You have the flexibility to make this move while you’re still working or…

Financial Planning by TSP Insight Author September 30, 2025

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How a TSP Roth Conversion Impacts Your Taxes

Beginning January 1, 2026, federal employees will have the option to perform in-plan TSP Roth conversions. This means you can transfer money directly from your Traditional TSP into a Roth TSP. If you don’t already have a Roth account, your first conversion…

Financial Planning by TSP Insight Author September 23, 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.…

Financial Planning by TSP Insight Author September 16, 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 September 9, 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 September 2, 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 August 26, 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 August 19, 2025

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TSP Withdrawal Options in Retirement

Before taking money out of your Thrift Savings Plan (TSP) in retirement, it's important to know your options so you can choose what works best for you. The SECURE Act 2.0 and TSP Required Minimum Distributions (RMDs) You don't have to take…

FAQs by TSP Insight Author August 12, 2025

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Why Aren’t More Feds Investing In The Mutual Fund Window?

In 2022, the mutual fund window was introduced, giving TSP participants access to a wider range of investment options. Instead of restricting you to the five funds offered through the TSP (G, F, C, S, and I funds), the mutual fund window…

TSP Basics by TSP Insight Author August 5, 2025

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TSP Beneficiary Basics

Over the course of your federal career, you’re likely to build a healthy balance in your Thrift Savings Plan. With low administrative fees and several funds from which to choose, it’s a valuable benefit for federal employees. And while no one enjoys…

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