Market Observations, World Events, the FED,... and random thoughts that effect your TSP bottom line!

"You can't win the game, if you aren't playing"

Changes Coming To TSP

In the midst of all the musical chairs at the White House and wrangling over healthcare on the Hill, a piece of legislation has been introduced that will be a big plus for Federal retirees.    The TSP Modernization Act of 2017 (H.R.3031 in the House and S.873 in the...

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The L Funds: Why They Don’t Work

The “Lifecycle Funds” (L Funds) are one of the investment options available to you as a Thrift Savings Plan (TSP) account holders. The funds are based on the time frame in which you are planning to retire. There are currently 5 L fund options available including...

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Analysis of stock charts can be used in all kinds of ways and there are lots of tools in the toolbox. I have my favorites, and I mostly use them to manage the short-term risk of being in the stock funds vs. the G fund. This keeps me sort of watching the trees.   Every...

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Everyone is Seeing The Top!

The more I read about "this is the top", the less convinced I am. If everybody sees it coming, it doesn't. Having said that, it pays to be very alert. This is a great article that gives some historical perspective..  Enjoy!...

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TSP Management Is Becoming Critical

Federal employees have long enjoyed the benefit of a 3 tiered retirement system including a Defined Benefit (Pension), Defined Contribution (TSP), and Social Security.  Over the past 10+ years, there has been a lot of talk (and some action) in managing expectations...

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TSP Basics

When you were first brought on to the federal workforce, one of the myriad of in-processing tasks was to sign up for the Thrift Savings Plan (TSP). If you were lucky, a retirement benefits counselor was on hand to assist you, provide some basic info, refer you to...

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Welcome to Grow My Thrift Savings Plan!

The sole focus of this blog is to assist Federal employees and Military service members in maximizing their TSP retirement accounts.  I have managed my own TSP account for over 20 years and helped numerous colleagues grow their account in the 1990s while avoiding...

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