TSP Basics – TSP Insights

February 2026 marked a clear turning point for Thrift Savings Plan (TSP) participants, with international stocks delivering standout gains while U.S. equities faced headwinds. Economic crosscurrents sparked a rotation toward overseas markets and away from U.S. mega-caps. This dynamic highlighted the TSP's…

TSP Basics by TSP Insight Author February 24, 2026

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What Happens to Your TSP When You Die?

Your TSP account doesn't follow your will. It doesn't follow a divorce agreement, a prenuptial arrangement, or a court order. It goes to whoever is listed on your TSP beneficiary designation form. If you've never filled out Form TSP-3, or haven't updated…

TSP Basics by TSP Insight Author December 2, 2025

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TSP Stock Funds Lead YTD Returns

A late-November stock-market rally helped deliver a boost to Thrift Savings Plan (TSP) performance in 2025, underscoring how strategic fund allocation can impact retirement outcomes. Federal employees with assets in the stock-based funds saw notable gains, while those in conservative funds experienced…

TSP Basics by TSP Insight Author August 26, 2025

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TSP: Pros, Cons, and Alternatives

The Thrift Savings Plan (TSP) serves as one of the three key components designed to ensure financial stability for retired federal employees. For many, it plays a vital role in supplementing Social Security and FERS annuity benefits. While the TSP offers several…

TSP Basics by TSP Insight Author August 5, 2025

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TSP Beneficiary Basics

Over the course of your federal career, you’re likely to build a healthy balance in your Thrift Savings Plan. With low administrative fees and several funds from which to choose, it’s a valuable benefit for federal employees. And while no one enjoys…

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…

TSP Basics by TSP Insight Author April 15, 2025

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Thrift Savings Plan Loans

A Thrift Savings Plan (TSP) loan allows federal employees to borrow money from their TSP retirement savings. It can be a useful option for covering expenses like buying a primary residence or handling general financial needs, but it’s important to understand how…

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…

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…

TSP Basics by TSP Insight Author December 31, 2024

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TSP Yearly Performance

The stock market experienced significant growth in 2024, marking a second consecutive year of substantial gains. These successful consecutive years have also had an impact on the Thrift Savings Plan (TSP), which experienced notable performance across its various funds in 2024. Here's…

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