Federal Retirement – Page 2

Tools and Resources by TSP Insight Author December 9, 2025

TSP Updates

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…

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…

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…

Retirement Planning by TSP Insight Author July 1, 2025

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4 Fundamental Elements Of A Strategic Federal Retirement Plan

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…

Retirement Planning by TSP Insight Author June 24, 2025

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Understanding Required Minimum Distributions

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…

Tools and Resources by TSP Insight Author June 3, 2025

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Comparing In-Service TSP Withdrawals and TSP Loans

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…

Retirement Planning by TSP Insight Author May 27, 2025

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Reviewing Retirement Options

The federal workforce continues to experience mass upheaval as the current administration carries out its plan to reduce costs and increase efficiency. As lawsuits challenging mass layoffs filter through the courts and proposals to reduce federal benefits advance, federal employees face an…

Retirement Planning by TSP Insight Author May 13, 2025

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Retirement Processing Modernized

Proposed changes to federal benefits, such as the elimination of the retiree annuity supplement and the transition to a “high-5” annuity calculation, could sway many federal employees to seek retirement. Fortunately, according to a recent memo from OPM, retirement processing has been…

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…

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Tag: Federal Retirement