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The TSP’s Fatal Flaw
It’s a well-documented fact that I am a big fan of the Federal Thrift Savings Plan (TSP), which is Uncle Sam’s version of the 401(k). It’s also well documented that I’m a critic of TSP for being a bit...
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4 Reasons TSP G Fund is the Unicorn of Investing
I’ve mentioned the Pluses and Minuses of the Thrift Savings Plan (TSP) here many times. I’m on record stating that overall I’m a big fan of the TSP. Recently, Congress passed regulations that...
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4 Ways to take Partial Withdrawals from the TSP
I’ve written before about ways to navigate the rules for making TSP Withdrawals after Separation from Federal Service. Unlike an IRA (or most employer-sponsored 401k plans) the Thrift Savings Plan...
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New Fiduciary Rules to end the TSP Rollover Scam?
Recently the Labor Department posted a draft of proposed revisions to the Employee Retirement Income Security Act (ERISA). The purpose of the revision is to ensure that any finance professional who...
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Playing Stupid Pet Tricks with the TSP
Happy Memorial Day! Since the Thrift Savings Plan (TSP) might soon be the cornerstone of the Military Retirement System, I though I’d take some time to highlight some of the attempted shenanigans...
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‘New’ Military Retirement is a Pyramid Scheme
Pentagon Brass, Congress, Military Service lobbying agencies, and the supposed ‘watchdog’ press are all lauding the proposed ‘New’ Military Retirement System that blends the Thrift Savings Plan in...
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TSP to Ditch Draconian Withdrawal Rules
Great News! It’s going to take a while, but the Thrift Savings Plan has approval to move forward with slacking the noose of rules around TSP Withdrawals. It will require congressional approval...
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Are TSP Fund Allocations for New Feds really ‘Risky’?
Feds – Don’t be alarmed. If you’re a new hire or are opting for TSP ‘L’ Fund allocation based on your age, your TSP asset allocation has not become more ‘Risky’. Last week’s article at GovExec misses...
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800,000 Active Military Miss Out on TSP Benefit
As I’ve written many a time before, GubMints is a big fan of the Thrift Savings Plan (TSP). Recently the White House Social and Behavioral Sciences Team decided to get ‘Freaky’ with Behavioral...
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TSP Board sees F Fund as a Ticking Time Bomb
During this past week the Federal Retirement Thrift Savings Board (the people who run the Thrift Savings Plan) made moves to tilt L Funds’ asset allocation away from F Fund and into the G Fund. Why...
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46,000 Reasons TSP is better than a 401(k)
Recently the WSJ posted an article about all the bookkeeping, tax filing, legal, and administrative fees necessary to operate a company’s 401(k) program on behalf of its employees. This, by the...
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Retire Early using the Solo 401k Parachute
Are you looking to Retire Early, but don’t want to pay a penalty to access the money you saved before you turn age 59.5? Got a ton of retirement money stashed in the TSP, an IRA, former employer’s...
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Why I’m Moving all my Retirement assets to TSP
I’m going all in on the TSP this year, and here’s why. First, the TSP Modernization Act was just signed in to law. The biggest change in this law is that the TSP is finally becoming flexible on...
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4 Reasons TSP has the best Target-Date funds
If you recall from last year, I resolved to roll all my IRA assets BACK in the the TSP, based on the following facts and theories: (Fact) TSP will soon allow much more withdrawal flexibility, (Fact)...
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The 401k Fallacy
Here’s an interesting retirement case study for you. Let’s take a former active duty veteran who resigns after 7 years of service and enters the civilian workforce in the year 2000. This purely...
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Don’t Commit these 7 Deadly Financial Sins like I did
“If everything I’ve done is Wrong… then the Opposite must be Right”. This is the time of year when people make (or break) New Years’ Resolutions. For those who follow Tim Ferriss, there is an...
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Why is TSP 10 years behind Fidelity and Vanguard?
Every year I take a look at the Allocations in my retirement plan Target Date/Lifecycle funds. I have Qualified Plans with both my (current) private sector employer and funds I left with TSP when I...
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Does your State tax Veteran’s Retirement Benefits?
Pay up, sucka. I’ve yet to find a one-stop-summary of State Taxation of Veteran’s Retirement benefits, so I created one here. There’s plenty of internet finance articles on ‘best places to retire’...
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TSP Mutual Fund Window to cost $231 per year
The TSP Mutual Fund Window is going to cost you if you choose to participate. So the Federal Retirement Thrift Investment Board (FRTIB), also known as the board who runs the Thrift Savings Plan, is...
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$231 for the TSP Mutual Fund Window may be Worth It
Risk Management is rarely provided for free As I teased in an earlier post about the costs of the TSP Mutual Fund Window, there may be a scenario where it makes sense to participate in the TSP Mutual...
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