Welcome to TSP Strategies

Welcome to TSPstrategies.com! This Web site is dedicated to exploring the benefits of saving and investing in the Thrift Savings Plan.

The companion book, TSP Investing Strategies: Building Wealth While Working for Uncle Sam, lays out a simple set of strategies for long-term, buy-and-hold investors to consider while investing in the TSP. This Web site and accompanying blog will build on those concepts, while focusing on new investing options and developments related to the TSP.

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Monthly Archives: June 2014



Owe Taxes? You Might Soon Pay Out of Your TSP Account

TSP administrators two years ago established a process to deduct funds from TSP accounts of participants who were declared by a court to be late in paying child support. Now administrators are proposing to do the same for TSP participants who owe back taxes. According to statistics in mid-2013, 3.3% of federal employees owed back taxes for a total of $3.3 billion. While that’s an eye-popping number, the IRS noted that this is less than half the general population, with … more

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Making Strides in Security

There’s been a lot of work going on behind the scenes.   The TSP has been quietly beefing up security. As long-time readers of this forum know, in addition the security breach reported in 2012, the TSP has had a number of open issues related to past security audits. To work these and other issues related to security, the TSP established and filled the position of the Chief Information Security Officer this spring in addition to the Chief Technology Officer.  It … more

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The Unintended Consequence of Higher FERS-FRAE Payments

Did you experience a 3.6% pay cut this year? Those who just began their civilian federal government service this year did, probably without even knowing it. You’ll recall that lawmakers mandated an increase in contribution rates from new employees’ salaries to pay into the FERS retirement system. The new revised retirement system – “FERS-FRAE” or “FERS Further Revised Annuity Employee” – now requires a payment of 4.4% of new employees’ salaries into the system.  The 3.6% figure represents the difference … more




New Asset Classes Being Explored

I’ve been prepping a book for publication these past two months – it should be out by the end of July – so I haven’t been paying attention to developments related to the TSP recently. A few things caught my eye as I was reviewing background events of the past few months, however. In a very interesting development, the FRTIB earlier this year reviewed an analysis of hypothetical returns on the L Funds that included different types of asset classes. … more

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