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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Tag Archives: Personal Finance



Five Minutes to Midnight: TSP Posters Mark Financial Literacy Month

Posters to mark April as Financial Literacy Month were made available on Friday. Perhaps because there isn’t much going on these days – you know, with sequestration, furloughs, and 20% reduction in pay for many civilian government employees – the poster seems rather perfunctory. Depending on your frame of mind these days, the clock in the poster resembles either the Doomsday Clock or the countdown to midnight as Cinderella rushes away from the ball before her carriage turns back into a pumpkin.  (All the … more

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A Rising Retirement Age?

The discussion in Congress and the White House on retirement contributions and minimum retirement ages are not unfounded.  We are living longer and healthier, while the number of taxpayers projected to support the growing population of retirees is falling relative to what it was in the mid-1900s when many of the programs took their current shape. Given the changes in lifespans and worker-retiree ratios, adjustments have to be made. Europe is facing a similar situation.  Populations there are growing older, … more

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With Pay Reduced by Two Percent, Now What?

Given that the deal reached between Congress and the White House did not include an extension of the 2% reduction of the Social Security payroll tax – and with government wages frozen at least for now – we will see a 2% reduction in pay beginning this month. The Social Security tax rate was reduced by 2% to 4.2% for employees under the Middle Class Tax Relief and Job Creation Act of 2012 (employer contributions of an additional 6.2% rate … more

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One Week Left to Contribute Via CFC

The Combined Federal Campaign (CFC) is quickly drawing to a close.  While the CFC and various government agencies have in previous years extended the timeframe to contribute, this year the CFC will officially end on December 15th, in one week. Here are a few Web sites to review for those in the “National Capital Area” (the DC region) and abroad.  Many other sites for local CFC chapters are available on the internet. In addition to giving through local chapter fund … more

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One Group Who Has Turned Down $19,000,000

We’ve all read the stories.  A group of co-workers pool their money to buy a stack of lottery tickets.  The more lottery tickets, the better chance they have of hitting the jackpot.  And then they hit it big.  $10 million, $50 million, $100 million or more.   Back in April, a group of three educators in Maryland won a portion of the $656 million jackpot, for example. If you were part of a group that won $19,000,000, would you turn it … more

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