Investment Strategies – TSP Insights

Investment Strategies by TSP Insight Author February 17, 2026

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…

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)…

Investment Strategies by TSP Insight Author November 4, 2025

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Is the Roth TSP Right for You?

Federal employees have had the option to make after-tax contributions to the Roth Thrift Savings Plan (TSP) since spring 2012. This account offers the advantage of tax-free withdrawals in retirement, on top of the agency match. However, despite its potential benefits, the…

Investment Strategies by TSP Insight Author October 7, 2025

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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…

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…

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…

Investment Strategies by TSP Insight Author April 29, 2025

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Roth Conversion Pros and Cons

A Roth conversion can offer significant benefits, but it comes with important tax implications. Benefits Contributions to Roth IRAs have already been taxed, which means you’ll have tax-free withdrawals of contributions and earnings in retirement (after age 59½ and if the account…

Investment Strategies by TSP Insight Author April 22, 2025

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TSP and Market Volatility

Managing your Thrift Savings Plan (TSP) allocations during a volatile market requires balancing opportunity and risk. Two primary strategies emerge: buying when the market is down to maximize long-term gains and shifting to safer funds to minimize losses. Each approach has merits,…

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…

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