TSP – Page 3 – TSP Insights

Retirement Planning by TSP Insight Author May 20, 2025

Smart TSP Withdrawal Strategies

Deciding how to withdraw funds from your Thrift Savings Plan (TSP) is a critical step in retirement planning that can shape your financial future. For those with both traditional and Roth TSP accounts, the order of withdrawals influences not only how long…

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…

Financial Planning by TSP Insight Author May 6, 2025

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Exploring Your Options: Rolling a TSP Into an IRA

Thinking about rolling over your Thrift Savings Plan (TSP) into an Individual Retirement Account (IRA)? It’s a big decision, and knowing the ins and outs of both options can help you make the right call. Many TSP participants choose to roll their…

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…

Investment Strategies by TSP Insight Author April 22, 2025

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TSP and Market Volatility

Managing your Thrift Savings Plan (TSP) allocations during a volatile market requires balancing opportunity and risk. Two primary strategies emerge: buying when the market is down to maximize long-term gains and shifting to safer funds to minimize losses. Each approach has merits,…

TSP Basics by TSP Insight Author April 15, 2025

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Thrift Savings Plan Loans

A Thrift Savings Plan (TSP) loan allows federal employees to borrow money from their TSP retirement savings. It can be a useful option for covering expenses like buying a primary residence or handling general financial needs, but it’s important to understand how…

Financial Planning by TSP Insight Author April 8, 2025

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TSP After Retirement – Should You Stay Or Should You Go?

Financial planning is key to a secure retirement, but your financial plan shouldn’t follow a “set it and forget it” strategy. Even in retirement, you’ll need to make important decisions that impact your nest egg, and an important one is where to…

FAQs by TSP Insight Author April 1, 2025

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TSP Options Following Separation

Federal employees are facing unprecedented job insecurity as each day brings fresh news of attempts to reduce the federal workforce. It’s never been more important to understand your federal benefits and what happens when you separate from service. Let’s take a minute…

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: TSP