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: Thrift Savings Plan Updates



Increase in 2018 TSP Deferral Limit

The IRS increased the elective deferral limits for 2018 from $18,000 (the limit in 2017) to $18,500. The catch-up contribution limit is $6,000. More information can be found on the tsp.gov site here, while the IRS announcement is here.

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TSP Could Become a Lot More Popular in Coming Years

With close to 5 million participants, the Thrift Savings Plan is already pretty popular.  It could get a whole lot more popular if recent recommendations on military compensation are implemented. As expected, the Military Compensation and Retirement Modernization Commission recommended adding government TSP matches for active and reserve service members, to compensate for a reduced retirement annuity. With an authorized US military strength in 2015 of just over 1.3 million personnel in the four services, that could substantially increase the … more

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Will Coming Big Changes in Military Compensation Include a TSP Match?

The Military Compensation and Retirement Modernization Commission is set to release its recommendations within the next week.  It will be interesting to see whether the Thrift Savings Plan will play an enhanced role in a modernized military retirement reform package. The commission has been studying compensation for over a year now, and their report is due by Feb 1. The outgoing defense secretary has been making the rounds the last few weeks, letting folks know that the commission’s report is … more

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Final Decision on ‘Mutual Fund Window’ Expected in 2015

Interested in investing in other funds besides those offered in the TSP?  For example, in “socially responsible” funds, real estate funds, precious metals, or emerging markets? The TSP Enhancement Act of 2009 granted the Federal Retirement Thrift Investment Board the authority to establish a “Mutual Fund Window” through which TSP investors could invest in a wider universe of funds, and more than five years later, the board provided their “conceptual support” to the creation of a MFW late last year. … more

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BlackRock’s Three-peat*

It’s official: BlackRock won the contract to continue managing the S Fund. According to the FRTIB’s recent press statement: The Federal Retirement Thrift Investment Board (FRTIB) announced today that it has selected Blackrock Institutional Trust Company, N.A. as the investment manager for its Small Cap Stock Index Investment Fund (S Fund). The S Fund invests in a stock index fund that tracks the Dow Jones U.S. Completion Total Stock Market Index. The earnings consist of dividend income and gains or … more

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