FERS

  • D-Day for pay raise, health premiums, retiree COLA

    The size and purchasing power of your 2020 biweekly paycheck or monthly annuity payment will be decided in a couple of months. The good news about the January 2020 COLA for federal, military and Social Security retirees is that there almost certainly will be one.

  • Want your tax break now or later? Or both?

    Thanks to a 1997 tax law that included the then-new Roth option, many people saving for retirement now have two choices.

  • Good news, Congress is away. Bad news, they’ll be back!

    Despite tough talk from Congress and the White House, the federal employee benefits package has so-far remained untouched.

  • Eliminate your state’s pesky income tax: Move

    Many federal and postal workers live and work in high tax states, so many retire to low-or no-tax states to get more from their annuities.

  • Retired feds avoid high-tax states

    Are there states where retirees can get tax breaks and enjoy a better standard of living? Short answer: Yes.

  • Is your TSP escalator going down?

    Despite a decade of mostly good-to-excellent returns in the stock-indexed C, S and I funds, most of the money feds have invested in their in-house 401(k) plan is in the fund which typically had the lowest returns.

  • Timing the TSP

    Most TSP investors know the stock market is long overdue for a major correction. The question is when will that happen, how long will it last, and what if anything you should be doing about it?

  • TSP nest eggs growing

    When it comes to saving and investing for retirement, federal and military personnel are way ahead of their private sector counterparts.

  • TSP investors: Is it ‘time’ to time the market?

    Between March 2018 and March 2019 the self-made millionaires club of the Thrift Savings Plan added 9,540 new members.

  • January 2020 cost-of-living adjustment inching upward

    The slight upward creep in living costs in the first four months of this year points to a modest January 2020 cost-of-living adjustment.