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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Category: Roth TSP



Roth TSP Accounts One Year Later

The Roth TSP option is about one year old now, and the option has become a surprisingly popular one. While the Roth TSP became operational in May last year, participants were able to invest in Roth TSP accounts in stages last summer and into the fall based on their department or branch of service. From nothing in May 2012, total Roth TSP assets have grown to over $468.3 million one year later, at the end of June 2013. The total number … more

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Et Tu, Brute? The Very Real Legislative Challenges to Tax-Preferred Treatment of TSP Accounts

A budget proposal earlier this month raised the possibility of limiting the total amount that can be saved in TSP accounts, along with other tax-preferred accounts such as Individual Retirement Accounts (IRAs) and Health Savings Accounts (HSAs). One of the original, guiding principles of tax-preferred accounts such as the TSP (and including others such as 401(k)s, 403(b)s, and IRAs) is that workers should have the ability to save and invest some of their wages in ways in which wages are … more

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Number of Roth TSP Participants, Investments Grow Steadily

The number of TSP participants contributing to the Roth TSP – first available to federal workers in May 2012 – grew to 101,000 at the end of 2012, according to official TSP statistics. There were over 4.6 million TSP participants as of the end of 2012.  TSP participants contributing to Roth TSP accounts therefore represented about 2.4% of the overall participation rate. In total, Roth TSP accounts held $129.6 million at the end of December. The average Roth TSP fund … more

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Will You Convert Your Regular TSP Holdings to the Roth TSP?

This is purely a hypothetical question right now, but TSP administrators announced earlier this month that they will study the steps necessary to implement an option that would allow participants to convert their current regular TSP holdings into a Roth TSP account, after paying the required taxes to do so.  The announcement read: “The President approved the American Taxpayer Relief Act of 2012, on January 2, 2013. This law allows the TSP and other qualified plans to give participants the … more




DoD Civilians Eligible To Contribute To Roth TSP Accounts This Month

The Defense Finance Accounting Services (DFAS) is now processing requests to enroll in the Roth TSP.  The new enrollment is open primarily to civilian personnel covered by DFAS, and many DoD and service components began to inform their civilian employees of the enrollment eligibility in late June (a Navy notice can be accessed here, while an Air Force notice can be accessed here, for example).  Personnel serving in the Coast Guard were able to begin to enroll in the Roth … more

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