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  1. Is the Roth TSP Right for Me?

    Do you want to pay taxes on the seed or the harvest? The soon to be available Roth TSP may provide you a significant tax reduction on your future income. Think of the original tax-deferred TSP as paying tax on the harvest. You get a tax deduction on your contributions, which can grow tax deferred while you are accumulating savings, but at distribution, the harvest (contributions plus earnings) will be subject to tax. The Roth feature in the TSP will be available during the second quarter of ...
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  2. Taking Income from TSP Utilizing SIPS

    In a previous article: Proud to Be an American, I covered the options for taking income from TSP at retirement. Those options are:
    (1) Take monthly withdrawals from TSP,
    (2) Create an annuity with TSP through MetLife, or
    (3) Rollover TSP to an IRA and take distributions.
    (4) You can also do a combination of these options.
    Imagine that you have worked for the federal government for 30 years. You’ve been faithful to making contributions and managing your TSP account. Now ...
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  3. Reversal in the TSP: Investors Buying Instead of Dumping the C Fund

    February was a good month for Thrift Savings Plan (TSP) investors. All of the TSP funds were up in both the underlying funds and in the lifecycle funds. The I fund was the leader for the month with a gain of 5.14% on top of its gain of 5.36% in January. The C fund with a return of 4.34% was again in positive territory for the third straight month and the S fund with a return of 3.99% also did well. (See historical monthly TSP fund returns.)
    Here is how the funds fared in February and for ...
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  4. Managing Variability in Thrift Savings Plans

    A basic knowledge of variability is essential for managing your investments in the Thrift Savings Plan (TSP). I am always interested in the FedSmith.com TSP related articles regarding decisions investors are making in managing their funds and moving money between the various funds.
    How do you avoid buying high and selling low? On the flip side, how do you take advantage of buying low and selling high? Would you get better returns if you did nothing and took advantage of averaging? By contributing ...
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  5. Considering The New TSP Roth Option

    The Thrift Savings Plan, “TSP”, has always been a good way to save money for retirement. It’s gotten even better in 2012 with the addition of a “Roth” option for contributions. Before going into the details of the new choices, I’d like to start with a quick refresher on the existing TSP program.
    In the TSP, much like a private sector 401(k), all contributions are made pre-tax. Taxes are also deferred on the growth of the account, and finally paid upon withdrawal of the funds at the current ...
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S&P500 (C Fund) (delayed)

(Stockcharts.com Real-time)
DWCPF (S Fund) (delayed)

(Stockcharts.com Real-time)
EFA (I Fund) (delayed)

(Stockcharts.com Real-time)
BND (F Fund) (delayed)

(Stockcharts.com Real-time)

Yahoo Finance Realtime TSP Fund Tracking Index Quotes