TSP – TSP Insights

TSP Basics by TSP Insight Author February 24, 2026

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…

Investment Strategies by TSP Insight Author February 17, 2026

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The TSP G Fund: Safe by Design, Limited by Nature

When markets feel unpredictable, many federal employees respond by moving more of their Thrift Savings Plan into the G Fund. As retirement approaches and volatility dominates the news, that decision can feel both logical and comforting. The G Fund offers stability, steady…

Financial Planning by TSP Insight Author February 10, 2026

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TSP Performance Update: January 2026

All Thrift Savings Plan (TSP) funds posted positive returns in January 2026, giving federal employees a strong start to the year. International stocks led the way as global markets rallied, while U.S. equities and bond funds delivered more modest gains. Among the…

Retirement Planning by TSP Insight Author February 3, 2026

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Access Your TSP Early – Without Penalties

Retirement doesn't always align with age 59½ for federal employees, leaving many wondering how to tap into their Thrift Savings Plan (TSP) funds sooner without hefty penalties. The good news is, you can often avoid the standard 10% early withdrawal penalty if…

Investment Strategies by TSP Insight Author January 20, 2026

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TSP Millionaire Count Rises as Long-Term Growth Continues

The number of Thrift Savings Plan (TSP) participants with seven-figure account balances continues to rise, underscoring the impact of long-term participation and sustained market growth on federal retirement savings. As of January 1, 2026, a record 194,722 TSP account holders reported balances…

Investment Strategies by TSP Insight Author January 13, 2026

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TSP Stock Funds Post Strong 2025 Returns

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)…

Financial Planning by TSP Insight Author December 30, 2025

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Give Your Federal Benefits an Annual Checkup

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…

Retirement Planning by TSP Insight Author December 16, 2025

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More Federal Retirees are Choosing the TSP Life Annuity

The Thrift Savings Plan (TSP) Life Annuity is a retirement income option available to federal employees participating in the TSP. Increased longevity and fear of outliving their retirement savings have prompted more retirees to explore this option to convert their TSP savings…

Tools and Resources by TSP Insight Author December 9, 2025

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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…

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