FERS – TSP Insights

Survivor benefits are often discussed in the context of retirement elections, but FERS employees have another layer of protection that can apply if they die while still working. In some cases, a surviving spouse may be entitled to both a lump-sum payment…

TSP Performance by TSP Insight Author August 11, 2026

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TSP July Performance

S Fund volatility was on full display in July. After a 4.34% surge in June, which saw it lead the core funds, the S Fund became the weakest performer one month later, reminding investors why small-cap stocks often experience larger swings than…

TSP Performance by TSP Insight Author August 4, 2026

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The TSP Millionaire Milestone Offers a Lesson in Staying Invested

The Thrift Savings Plan has reached another remarkable milestone. As of July 2026, 224,420 federal employees and retirees had at least $1 million in their TSP accounts, the highest total ever recorded. But the most interesting part of the number isn't the…

TSP Basics by TSP Insight Author July 28, 2026

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The TSP Guide for Federal Employees

The TSP Guide for federal employees starts with a simple reality: the Thrift Savings Plan will be one of the largest retirement assets they ever accumulate. But the TSP has changed significantly in recent years, with updates to Roth features, withdrawal flexibility,…

Retirement Planning by TSP Insight Author July 14, 2026

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Before You Submit Your Federal Retirement Application, Answer These 5 Important Questions

Completing your retirement paperwork may only take a few hours, but the decisions behind it deserve much more time. A little preparation before you file can help you avoid mistakes that are difficult, and sometimes impossible, to correct later. Here are five…

TSP Performance by TSP Insight Author July 7, 2026

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TSP Performance Mixed in June as Small Caps Outpace Large Stocks

June delivered mixed results for Thrift Savings Plan (TSP) investors, highlighting the difference between large-company and small-company stocks. The S Fund turned in its strongest monthly performance of the year, while the C Fund paused after two exceptional months of gains. Meanwhile,…

Retirement Planning by TSP Insight Author June 30, 2026

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Just Because You Can Retire Doesn’t Mean You Should

For many federal employees, retirement becomes the focus years before it actually happens. They count down the months until they reach their Minimum Retirement Age, hit 20 or 30 years of service, or qualify for an immediate pension. Reaching that milestone is…

Retirement Planning by TSP Insight Author June 23, 2026

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Your Pension Is Only One Piece of Your Retirement Paycheck

Many federal employees think about retirement one benefit at a time. They know they'll receive a FERS pension. They have a balance in the Thrift Savings Plan. They have an estimate of their future Social Security benefit. What often doesn't happen until…

Federal Benefits by TSP Insight Author June 16, 2026

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Early 2027 COLA Estimates Move Higher Following Latest Inflation Report

Federal retirees and Social Security beneficiaries may be looking at a larger cost-of-living adjustment in 2027 than they received this year. New inflation data released by the Bureau of Labor Statistics has prompted analysts to raise their early COLA projections, with some…

TSP Basics by TSP Insight Author June 9, 2026

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The Survivor Annuity Issue Federal Employees Often Miss After Divorce

Divorce creates enough financial complications on its own. For federal employees, there is another layer that can affect retirement planning long after the divorce is final. When a divorce settlement awards a survivor annuity to a former spouse, that benefit can reduce…

Tag: FERS

What Happens to Your Spouse If You Die Before Retirement?

TSP July Performance

The TSP Millionaire Milestone Offers a Lesson in Staying Invested

The TSP Guide for Federal Employees

Before You Submit Your Federal Retirement Application, Answer These 5 Important Questions

TSP Performance Mixed in June as Small Caps Outpace Large Stocks

Just Because You Can Retire Doesn’t Mean You Should

Your Pension Is Only One Piece of Your Retirement Paycheck

The Survivor Annuity Issue Federal Employees Often Miss After Divorce