All Posts – Page 4 – TSP Insights

During your working years, it’s generally recommended to have an emergency fund that can cover three to six months of living expenses. But in retirement, that cushion might need to be even larger to handle unexpected costs—including the impact of a stock…

Investment Strategies by TSP Insight Author July 22, 2025

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More Feds Hit TSP Millionaire Status

A growing number of federal employees are retiring with more than $1 million in their Thrift Savings Plan (TSP) accounts, a milestone once considered rare. New data from the Federal Retirement Thrift Investment Board (FRTIB) reveals that the number of TSP millionaires…

TSP Basics by TSP Insight Author July 15, 2025

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

As a Thrift Savings Plan (TSP) participant, you have the option of rolling over money from eligible retirement plans like a 401(k), 403(b), or a traditional IRA, into your TSP account. Even better, you can move money into your TSP while you’re…

Retirement Planning by TSP Insight Author July 1, 2025

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4 Fundamental Elements Of A Strategic Federal Retirement Plan

For federal workers, a strategic retirement plan has one primary objective: ensuring financial security in your golden years. To achieve this goal, the process involves analyzing the four fundamental elements of retirement: income, healthcare, taxes and estate planning. 1. Income Planning Income…

Retirement Planning by TSP Insight Author June 24, 2025

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Understanding Required Minimum Distributions

Contributions to your Thrift Savings Plan (TSP) or other tax-advantaged retirement accounts are made with pre-tax dollars, meaning they haven’t been taxed by the federal government. Eventually, the IRS requires you to withdraw funds from these accounts to collect its share. These…

Policy Updates by TSP Insight Author June 17, 2025

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TSP General Purpose Loans Are Increasing: What It Means for You

General Purpose TSP Loans are on the rise, with recent data showing a significant jump in their usage. In 2023 alone, the number of outstanding loans increased by 40%. By the end of the year, nearly 480,000 loans were active, totaling close…

Financial Planning by TSP Insight Author June 10, 2025

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What’s Your TSP Withdrawal Plan?

Do you spend more time planning vacations than thinking about your retirement withdrawals? If so, you might want to reconsider. Retirement could last 30 years or more, so it deserves the same focus you’d give to any big life event. After all,…

Tools and Resources by TSP Insight Author June 3, 2025

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Comparing In-Service TSP Withdrawals and TSP Loans

If you’re weighing a Thrift Savings Plan (TSP) loan against an in-service withdrawal, it’s essential to understand the differences to choose the best option for your needs. Two Types of In-Service TSP Withdrawals In-service withdrawals allow you to take funds from your…

Retirement Planning by TSP Insight Author May 27, 2025

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Reviewing Retirement Options

The federal workforce continues to experience mass upheaval as the current administration carries out its plan to reduce costs and increase efficiency. As lawsuits challenging mass layoffs filter through the courts and proposals to reduce federal benefits advance, federal employees face an…

Retirement Planning by TSP Insight Author May 20, 2025

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Smart TSP Withdrawal Strategies

Deciding how to withdraw funds from your Thrift Savings Plan (TSP) is a critical step in retirement planning that can shape your financial future. For those with both traditional and Roth TSP accounts, the order of withdrawals influences not only how long…

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