CSRS

  • G fund: How much is too much?

    Most experts would say it depends on your age, when you plan to retire, and, very important, your risk tolerance.

  • To Roth or not to Roth? The million-dollar tax-free question

    When it comes time to start withdrawing money from your TSP will you be glad you invested pre-tax, or wish somebody had talked to you about the Roth option?

  • TSP: Is everybody (anybody) happy?

    Last month the Thrift Savings Plan implemented a series of changes in withdrawal rules it hopes/expects will lead to more people leaving their investments in the TSP when they leave government.

  • Magic number$ for feds, retirees: 1.6, 5.2, 2.6, 3.1

    Federal workers and retirees are awash in numbers today, some solid, some still forming up. The final total will determine in large part what kind of financial future they have.

  • Design your own buyout for December and January

    Fast approaching is the health benefits open enrollment period from Nov. 11-Dec. 9, when workers and retirees should shop carefully for the best deal for them and their families.

  • Where are you on the TSP totem pole?

    While people are fascinated by the TSP Millionaires Club, the real question is where does your account rank in value?

  • Do you really want a double-digit COLA?

    Federal-military-Social Security retirees are hoping for a January 2020 cost of living adjustment, which is nice but not as nice as the days of 8% or 9% yearly increases.

  • No news is good news: Retirement plans spared, again

    Bills, budgets and proposals to whack federal retirement benefits used to be the stuff of nightmares for both workers and retirees under FERS and CSRS.

  • Friday the 13th: Pulse check for 2020 COLA, pay raise

    Earlier this year, the chances of both (or either) a federal pay raise and a separate cost of living adjustment for retirees were hovering somewhere between slim and slimmer. The president called for a zero…

  • Memo to retirement-age FERS folks: Don’t outsmart yourself!

    Hundreds of federal and postal workers become retirement eligible every day. Although most don’t retire at the first opportunity.