Investment Strategies – TSP Insights

Investment Strategies by TSP Insight Author July 22, 2025

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…

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.…

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