All Posts – Page 4 – TSP Insights

TSP Basics by TSP Insight Author September 10, 2024

Comprehensive Guide to the Thrift Savings Plan (TSP)

The Thrift Savings Plan (TSP) plays a crucial role in the retirement planning of federal employees. With assets totaling $845 billion and over 7 million participants, the TSP stands as the largest defined contribution plan in the United States, offering unique benefits…

Investment Strategies by TSP Insight Author September 3, 2024

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Optimizing the G Fund within the Bucket Investment Strategy

A well-structured investment strategy involves segmenting your retirement savings into distinct "buckets," each tailored for different time horizons and types of expenses—typically short-term, intermediate, and long-term. Understanding where the G Fund fits into this approach can help you allocate your assets effectively.…

Financial Planning by TSP Insight Author August 27, 2024

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How A Divorce Impacts Your TSP

Unlike many of those in the private workforce, employment for federal employees is governed by federal laws. As a result, any divorce orders that affect your benefits must comply with these laws. It’s important to have an understanding of the documents you’re…

Policy Updates by TSP Insight Author August 20, 2024

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Limits For TSP Catch-Up Contributions Are Increasing

The standard contribution limit for your TSP is $23,000 annually. However, if you’re 50 or older, you’re currently allowed to add up to $7,500 in catch-up contributions. This can be a valuable tool in helping those nearing retirement boost their savings. As…

TSP Basics by TSP Insight Author August 13, 2024

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TSP Agency Matching – The Basics

The Thrift Savings Plan (TSP) was designed to provide federal employees with a retirement savings option comparable to a private sector 401(k), featuring lower fees and a 5% matching contribution from their agency. However, many federal employees are not contributing enough each…

Retirement Planning by TSP Insight Author August 6, 2024

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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 July 30, 2024

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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…

Policy Updates by TSP Insight Author July 23, 2024

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Upcoming Changes to the I Fund’s Benchmark Index

The Federal Retirement Thrift Investment Board (FRTIB) will be updating the benchmark index for the I Fund throughout 2024, aiming to broaden the fund’s diversification and grant participants access to a wider array of international markets and companies. Background on the Change…

FAQs by TSP Insight Author July 16, 2024

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What Happens to Your TSP After You Leave Your Job?

When you retire or leave your job, it might take up to 30 days for the TSP to get notified by your agency. During this time, you won’t be able to access your money. Once the TSP is notified, they’ll give you…

Tools and Resources by TSP Insight Author July 9, 2024

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What You Can’t Do With Your TSP in Retirement

When you retire, you can leave your money in the Thrift Savings Plan (TSP) and let it grow. But if you want more control or flexibility, it's important to know what the TSP doesn’t allow you to do. In-Plan Roth Conversions Aren’t…

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