Our TSP suggestion to OPM about adding an “H Fund”

I remember vividly the financial meltdown that the took place in 2008 and the catastrophic effect it had on the TSP C Fund, S Fund, I Fund and L Funds. Tens of thousands of federal employees who were planning on retiring in January, 2009 are still working today because the C Fund, S Fund and … Read more

Very Dangerous TSP Advice

“If I’m planning to start drawing from TSP in 2022 (I will be 58 years old and am in FERS), do you recommend I be in the L2020 fund now…based on I’m currently 50 years old and planning to start drawing at age 58?” Answer: “Given that you are 50 years old and plan to … Read more

TSP Fuzzy Math

Looking at average rate of return numbers to evaluate an investment is universally accepted, but unfortunately not an accurate gauge of actual returns. Here is an example of what I mean: A +50% gain in one year followed by a -50% loss the next year, is a zero average percentage and would be reported as … Read more