FERS – Page 3 – TSP Insights

Tools and Resources by TSP Insight Author November 25, 2025

Understanding TSP Installment Payments

For many FERS retirees, the combined income from their annuity and Social Security may fall short of covering all monthly expenses. To bridge this gap, setting up Thrift Savings Plan (TSP) installment payments can provide a reliable source of additional income. Here’s…

Financial Planning by TSP Insight Author November 11, 2025

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How Much Should You Have Saved in Your TSP by Age 50?

Planning for a federal retirement brings unique challenges, especially when most retirement advice targets private-sector employees without pensions like the FERS annuity. Federal employees have different benchmarks for savings, making it important to focus on guidelines tailored to your needs. By Age…

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…

Financial Planning by TSP Insight Author July 29, 2025

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Why an Emergency Fund Is Essential for Protecting Your TSP

During your working years, it’s generally recommended to have an emergency fund that can cover three to six months of living expenses. But in retirement, that cushion might need to be even larger to handle unexpected costs—including the impact of a stock…

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…

Financial Planning by TSP Insight Author June 10, 2025

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What’s Your TSP Withdrawal Plan?

Do you spend more time planning vacations than thinking about your retirement withdrawals? If so, you might want to reconsider. Retirement could last 30 years or more, so it deserves the same focus you’d give to any big life event. After all,…

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 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…

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Tag: FERS