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)…
Two important updates could affect retirement planning for federal employees: increasing payroll and earnings-limit thresholds, and upcoming cost-of-living adjustments (COLAs) to your annuity.
Social Security & Payroll Tax Changes Starting in 2026, the Social Security payroll tax for most federal employees…
You’ve defined your financial goals, established an investment strategy, and begun the journey toward retirement. But along the way, change is inevitable. Life events, market volatility, and updates to laws or regulations can all affect your plans. Conducting an annual review of…
As the fallout from the Deferred Resignation Program and the uncertainty surrounding the federal workforce continue to play out, OPM received 23,393 federal retirement claims in November. Though the deadline for the DRP was September 30, employees who would become retirement eligible…
As 2026 approaches, the Thrift Savings Plan (TSP) is preparing to introduce a significant enhancement to retirement planning, while recent data signals shifting participant behavior. Now is an ideal time for federal employees and retirees to reassess their TSP strategy in light…
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…
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…
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…
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…
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…