All Posts – Page 5 – TSP Insights

FAQs by TSP Insight Author April 1, 2025

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 March 25, 2025

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Roadmap to Becoming a TSP Millionaire

According to 2024 data from the Federal Retirement Thrift Investment Board, the typical 60-year-old federal employee’s Thrift Savings Plan (TSP) balance sits at roughly $200,000. Enough for a cozy retirement? Possibly, depending on your spending habits and where you live. Yet, a…

TSP Basics by TSP Insight Author March 18, 2025

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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…

Federal Benefits by TSP Insight Author March 11, 2025

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The Rise of TSP Millionaires

The Thrift Savings Plan (TSP) is growing and evolving, offering new features and proving its potential for wealth building. Starting in 2026, federal employees and military personnel will gain access to a game-changing feature: Roth conversions. Meanwhile, a surge in the number…

Investment Strategies by TSP Insight Author March 4, 2025

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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 February 25, 2025

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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 February 18, 2025

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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 February 11, 2025

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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 February 4, 2025

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Effects of Early Retirement on Benefits and Annuities

Government agencies looking to downsize or restructure their workforce may offer eligible employees early retirement under Voluntary Early Retirement Authority (VERA). Effects on Your FERS Annuity The FERS annuity begins on the first day of the month following retirement. Your FERS Basic…

Federal Benefits by TSP Insight Author January 28, 2025

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Federal Benefit Changes for 2025

The new year has brought some changes regarding your federal benefits. Keeping up with these changes will help you maximize your benefits and better prepare for retirement. TSP Contributions TSP contribution limits for 2025 have been increased. This applies to both traditional…

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