На главную
Результаты поиска “Thrift savings plan i fund”
The Worst TSP Fund!
 
07:25
↓↓ LIKE FRP ON FACEBOOK ↓↓ https://www.facebook.com/fedretirementplanning/ The worst TSP Fund has underperformed with significant volatility since it's inception. Can you guess which fund it is? ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management, Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- Graphs used from: LynAlden.com - she has an awesome infograph on the I-Fund as well. -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2017, All Rights Reserved
Просмотров: 22665 Fed Retirement Planning
Your TSP Investment Options: The I Fund
 
01:43
In this video, we'll talk about the International Stock Index Investment Fund, also known as the I Fund.
Просмотров: 61495 TSP4gov
Warren Buffett on Investing in the TSP!
 
06:42
Warren Buffett on the TSP Article: http://www.fedretirementplanning.com/warren-buffett-investing-tsp/ ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management, Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy and please subscribe! -- © Copyright Fed Retirement Planning 2017, All Rights Reserved
Просмотров: 55716 Fed Retirement Planning
Two TSP Funds Earned Over 20% in 2017!
 
06:06
↓↓ SUBSCRIBE. DO IT. ↓↓ https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 The C & I Funds earned over 20% in the Thrift Savings Plan (TSP) in 2017! What a year! ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management, Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2018, All Rights Reserved
Просмотров: 6582 Fed Retirement Planning
10 Awful TSP No-No's You Should Avoid
 
08:03
I have seen federal employees make many mistakes when it comes to their TSP unfortunately. Because of this, I've been able to put together 10 things that every federal employee should avoid in relation to their TSP. -- ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management through Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2016, All Rights Reserved
Просмотров: 91558 Fed Retirement Planning
7 Steps to Choosing a TSP Investment Strategy
 
12:06
Before you decide on a TSP Investment Strategy, you must first build the foundation. In today's video we discuss the 7 steps that are crucial in building the foundation for choosing a TSP Investment Strategy. Article: http://www.fedretirementplanning.com/the-7-steps-to-choosing-a-tsp-investment-strategy/ -- ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management through Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2016, All Rights Reserved
Просмотров: 63262 Fed Retirement Planning
Your TSP Investment Options: The C Fund
 
01:34
In this video, we'll talk about the Common Stock Investment Fund, also known as the C Fund.
Просмотров: 98927 TSP4gov
Government TSP: Overview of the Federal Thrift Savings Plan Funds
 
13:33
The federal government's thrift savings plan, commonly called the TSP, has long served as a low cost savings method for government employees. The five base funds of the TSP offer government employees access to five major indexes in which they may invest. TSP funds are not mutual funds, which means they cannot be invested in by the general public. Instead they are trust funds that are managed by Blackrock Institutional Trust Company. These trust funds have management fees of .039% and below, which comes out to $0.239per $1000. To keep management fees and transaction costs low, participants in the TSP are only allow 2 interfund transfers each month, after which they may only transfer money into the G Fund. Click this link to read the rest of the companion blog post: http://realizeyourretirement.com/government-tsp-overview-of-the-federal-thrift-savings-plan-funds/
Просмотров: 12035 Realize Your Retirement
Goodbye TSP G-Fund?
 
06:10
The Thrift Savings Plan G-Fund has been brought up by the House Budget Committee as a cost savings options of $32 billion over 10 years. They are looking at the possibility of dwindling the return of the G-Fund to .01%. Many thought it would no longer be a threat as it wasn't brought up in a meeting in July, but others believe the upcoming budget battle could lead to another look from Congress at the G Fund. Article: http://www.fedretirementplanning.com/goodbye-tsp-g-fund/ -- ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management through Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2016, All Rights Reserved
Просмотров: 18737 Fed Retirement Planning
TSP Investing
 
10:55
For more information on how to increase your TSP portfolio please visit: http://www.tspinvesting.com We are not licensed financial advisors or brokers. Nothing on this site should be considered professional advice to buy, sell, or trade any financial security. We are in no way affiliated with the federal government or the Thrift Savings Plan. Please see our disclaimer page for a full disclaimer.
Просмотров: 26424 TSP Investing
Thrift Savings Plan - What is a TSP Retirement
 
14:47
Thrift Savings Plan Retirement – How to use your TSP retirement plan? 1-800-566-1002 http://www.RetireSharp.com . Understand the most efficient ways to leverage your thrift savings plans for a comfortable retirement income plan through tsp retirement rollovers. Avoid the most common mistakes that individuals make when using thrift savings retirement plans costing them thousands of dollars in retirement. Managing Your TSP Retirement Managing a retirement account is often the last thing anyone thinks of doing. And for those with a government TSP (Thrift Savings Plan) it is probably even further down the list. Although a TSP only contains five funds from which to choose, this very factor makes managing the account even more important. WHY, because there is less wiggle room. The opportunity for success is equally as dramatic as that of losing it all. A middle ground would be to divide your retirement money into each of the TSP funds equally. You won't seem dramatic growth, but you could end up with steady upward steps that should at least beat inflation. The challenge with such a basic diversified plan is that you may not generate enough money to live upon when you reach retirement. Since you are limited to no more than two trades per month in your TSP account, managing your retirement means: TSP funds are private and not traded on the regular stock market exchanges. This means you need to watch funds or ETFs that closely resemble your TSP funds. Once you know which symbols to watch, or you look at the performance via your TSP login, you can adjust your holdings to meet your objectives. You can focus on growth or safety or by diversifying amongst the funds you can weight your holdings towards your preference of growth or security. Various charting software, even free online software, can give you an indication of what is happening with each of your funds. Investment software based on technical analysis can take the basic information a step or two further and in seconds provide recommendations based not just on the movement of your funds but how they compare to each other and even to the stock market as a whole. This type analysis, dubbed relative strength, can lead you to the best performers at the current time and also tell you when to sell or switch funds. Selling, many investors forget, is the only way you actually make money. You have no gain, no profit, except on paper until you sell a fund. Switching from one fund into another locks in the profit gained from the first fund while giving you the opportunity to grow your money further with the fund that is now moving ahead with greater relative strength. Or, you may simply want to sell from the more 'growth' fund and transfer part or all of the money into a more stable but inflation beating fund to secure that money for the future. Regardless of how you go about handling your TSP retirement account, simply doing nothing and let it rest in the default fund will barely keep your money even with inflation (kind of like stuffing it in a coffee can for a future date) when prices for everything, yes everything will be higher. Taking a few minutes a week or a month can mean the difference between enjoying retirement or being stressed out with every bill that comes in the mail. Please make sure to subscribe to our YouTube channel for the most updated videos. Thanks for watching! Related search terms: Tsp What is a thrift savings plan What is tsp retirement? Thrift savings plan rollover Tsp retirement rollover to ira Tsp retirement explained How to use your thrift savings plan for retirement https://www.youtube.com/watch?v=Kg1uMzGm_iA
Просмотров: 4332 retiresharp
TSP Market Crash Coming in 2018?!
 
07:34
↓↓ SUBSCRIBE. DO IT. ↓↓ https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 Is there a market correction coming that could significantly impact TSP investors? Vanguard thinks so. ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management, Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2017, All Rights Reserved
Просмотров: 17220 Fed Retirement Planning
How To Make The Most of Your TSP in 2018 + A Retirement Success Habit
 
08:41
Many people are concerned about TSP. If you don’t have enough saved in TSP, your retirement could be very uncomfortable. The problem is that there’s mountains of information out there about TSP. It’s complex and you’re left on your own to sift through it all to come up with action steps. ***Here’s where you can get the extra lesson, The TSP Check Up, https://www.fersblueprint.com/p/tsp-checkup. Now is a great time to do The TSP Check Up—it’s a free lesson that's directly from the FERS Retirement training that I’ve been teaching for years at agencies! This video is brought to you by the FERS Blueprint Online Retirement Training. We believe that it shouldn’t be so hard to get into retirement training, and that you should be able to learn when you want to and at your own pace. Now you can at the FERS Blueprint. Take a class today! https://www.fersblueprint.com ____________ “I’ve got too much saved up in TSP”—said no one ever The way the Thrift Savings Plan (TSP) works is you save money each pay period—and that’s done by payroll deduction. It’s referred to as a contribution. The amount you contribute is determined by you. You can use either a percentage of your pay or a specific dollar amount. Every year the IRS sets a limit on the maximum contribution you can make into TSP. There’s two types of contributions: Regular Contributions and Catch Up Contributions. REGULAR CONTRIBUTIONS are available to all eligible employees (regardless of their age). In 2018, the maximum annual Regular Contribution is $18,500. That means you can make contributions into Traditional TSP and/or Roth TSP in any combination you wish, but the total cannot exceed $18,500. CATCH UP CONTRIBUTIONS are an extra amount above and beyond the Regular Contributions, if you meet the requirements. You can start making Catch Up Contributions at any time beginning in the year you turn 50. You must also be on track to reach the maximum Regular Contribution for the year. In 2018, the maximum Catch Up Contribution is $6,000. That means if you’re eligible, you can make contributions into Traditional TSP and/or Roth TSP in any combination you wish, but it cannot exceed $6,000. Your Regular Contribution automatically carries over year to year until you change it. However, you must re-elect Catch Up Contributions each year. Remember that the TSP regular contribution limit doesn’t include any FERS Match. The FERS Match is a separate amount over and above the contribution limit. ____________ FERS Blueprint is an educational division of The Monroe Team, Inc. DUNS Number: 032 057260. CAGE Code: 735L3. NAICS Code: 611710 Educational Support Services. Woman-owned, small business. PROJECT Prepare2Retire and FERS Blueprint are not affiliated with, endorsed or sponsored by the Federal Government or any US Government agency. PROJECT Prepare2Retire and FERS Blueprint are educational only. No specific financial, retirement nor tax advice is being offered. The material presented is as current as possible, but is necessarily generalized. Facts and opinions are based on research and experience, but are not endorsed by the Federal Government. It is recommended to consult with your personnel office and/or the Office of Personnel Management (OPM) Retirement Office, Thrift Savings Plan, Social Security, Medicare, Internal Revenue Service, your legal, tax and/or other advisor(s). © 2017. The Monroe Team, Inc.
Просмотров: 8908 FERS Blueprint Online Retirement Training
How Should I Allocate Funds In A Thrift Savings Plan?
 
03:38
Granger's son is in the Air Force, as part of his thrift savings retirement plan he's required to invest in certain funds. His investment can be allocated in different amounts to three different funds. Granger would like to know the best percentage to invest in each option. Original air date: January 28, 2018 - Hour 1, Call 1. Wes Moss is the host of MONEY MATTERS – the country’s longest running live call-in, investment and personal finance radio show – on News 95-5FM and AM 750 WSB. You Can Retire Sooner Than You Think, Buy it here: https://retiresoonerbook.com/
Просмотров: 913 Wes Moss Money Matters
Everything You Need to Know About the TSP
 
02:21:27
On Thursday October 6, 2016 AFSA hosted TSP Specialist Randy Urban for a seminar on the Thrift Savings Plan and Retirement in the Foreign Service
Просмотров: 6304 AFSAtube
How to Become a TSP Millionaire!
 
09:40
↓↓ CHECK OUT THE TSP MILLIONAIRE GUIDE BELOW ↓↓ http://wp.me/p5Ljwd-Qr ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management, Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2017, All Rights Reserved
Просмотров: 53733 Fed Retirement Planning
2018 = Best Year for TSP Investors Yet - Here's Why!
 
05:27
2018 has the potential to be a great year for TSP Investors if they follow this one suggestion! ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bW... -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management, Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanni... Facebook: https://www.facebook.com/fedretiremen... Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2017, All Rights Reserved
Просмотров: 11141 Fed Retirement Planning
Thrift Savings Plan Briefing: For Early to Mid-Career
 
02:17:49
Presented by TSP Agency Liaison Specialist Arvella Collins, Federal Retirement Thrift Investment Board. -- U.S. Department of Health and Human Services (HHS) http://www.hhs.gov We accept comments in the spirit of our comment policy: http://www.hhs.gov/web/socialmedia/policies HHS Privacy Policy http://www.hhs.gov/Privacy.html
TSP Funds - G, F, C, S, I, & L
 
04:55
WEBINAR COMING SOON!!!! BE ON THE 👀 OUT FOR THE REGISTRATION LINK. "How To Claim Social Security, Choose Medicare Benefits, and Plan Your Retirement Income" Until then...enjoy video 2 of 2 for Federal Employees! 2 video 🎥 series for Federal Employees: Video 2 of 2: TSP Funds This video targets TSP Funds 📈 (G,F,C,S,I and L - combination of funds G,F,C,S, and I). I briefly go over each fund and the risk tolerance involved with each fund. What risk tolerance are you? Emoji market risk tolerance scale: 😀😄😅🙄😯😫😢 😭 Let us know how you feel about the recent market volatility on a scale of 😀 to 😭 with an emoji below!! Here are the links that go along with the video - TSP Summary: https://www.tsp.gov/PDF/formspubs/tspbk08.pdf Thrift Savings Plan Annual Returns: https://www.tsp.gov/Inve…/FundPerformance/annualReturns.html
Просмотров: 142 Maryland Financial Advocates
The Best TSP Investment Strategy!
 
09:11
↓↓ IN-DEPTH ARTICLE & DOWNLOADS↓↓ http://www.fedretirementplanning.com/best-tsp-investment-strategy/ First off, if you are simply looking for the absolute highest returns with no worry for volatility, based on the 10-year average, the best performing fund is the S-Fund. The S-Fund has earned an average of 10.59% over the past decade. Compared to the runner-up, which is the C-Fund, that’s a great return as it has averaged 8.82%. On a longer timeline, looking at since the inception of the S-Fund which was in 2001, the S-Fund has outperformed the TSP by over 3%. So, if you want the absolute best performing investment strategy, throwing volatility to the wind, then based on historicals, putting 100% in the S-Fund would satisfy this goal. ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management, Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2017, All Rights Reserved
Просмотров: 13642 Fed Retirement Planning
Thrift Savings Plan (TSP) | Military Members Retirement Plan
 
25:46
This video will be covering the Thrift Savings Plan (TSP) for Military members. Military members tend to not take full advantage of the Thrift Savings Plan retirement account and to understand the makeup of this account. In this video we will be discussing fund makeup, fee structure, contribution levels, and difference between a ROTH IRA and ROTH TSP. Compounding interest calculator and fee comparison tool: http://www.tradingacademy.com/resources/calculators/compare-investment-fees.aspx ----The following equipment was used to produce this video---- Camera: http://amzn.to/2r4PWKX (Hero 4)(Old videos) Camera: http://amzn.to/2sc4Alk (Hero 5)(New videos) Tripod: http://amzn.to/2sceOlG Lighting: http://amzn.to/2rxXE1G Desk: http://amzn.to/2sc0s4K Microphone: http://amzn.to/2sLGTgz Citizen Watch: http://amzn.to/2s5LAny DISCLAIMER: This video and description contains affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. This helps support the channel and allows us to continue to make videos like this. Thank you for the support! DISCLAIMER: I do not provide personal investment advice and I am not a qualified licensed investment advisor. All information found here, including any ideas, opinions, views, predictions, forecasts, commentaries, suggestions, or stock picks, expressed or implied herein, are for informational, entertainment or educational purposes only and should not be construed as personal investment advice. While the information provided is believed to be accurate, it may include errors or inaccuracies. I will not and cannot be held liable for any actions you take as a result of anything you read and/or view here. One singular mission: Share with every viewer the best kept secret in the Financial Wold! It's a secret that money managers don't want you to know about. Here it is: You can own/trade individual stocks, etf's, own index funds and limited partnerships or bond funds all within your roth ira account! The secret is in the type of account you need to start. The self managed account. You will not hear this from your financial planner. This relatively new service is available to anyone who opts to take charge of their own financial future and can do so by starting a self-managed Roth IRA. Any roth account will provide tax shelter and allow for contributions and earnings to be withdrawn at age 59.5 years old. However, only a self-managed account can maximize profits through wealth preservation by eliminating fees charged to traditional investment accounts. Cumulative growth, dividend re-investment and compounding interest can all work to maximum potential for you free of the damaging effect of fees from traditional managed account types. It's an exciting time to be an independent investor. Accelerate your returns by building a passive or active portfolio using my 22 years of experience and foundational approaches that are easy to understand and take little to no experience. Just a little initiative will result in stepping into a whole new world of accelerated profits and financial security for you, and your family. No too accounts are the same. Investment tolerances differ. That makes it even more important for you to pay attention to and learn some of the basic terminology, potentials, account types and use them to align your specific financial plan with your financial future. See what it's like to become an Independent Investor. It may be the most financially liberating move you could ever make in your life!
Просмотров: 2017 Independent Investor
Why TSP Members Lose Money
 
02:10
A detailed analysis of statistical data over 145 years that displays why the majority of TSP Members Lose Money. The statistical data can be found at the link below: http://www.tspinvesting.com/tsp-members-lose-money/
Просмотров: 4784 TSP Investing
TSP Investments: G Fund or C Fund?
 
02:01
Listen to Dan Live everyday at https://www.financialissues.org Like Dan on Facebook: https://www.facebook.com/financialissues Follow Dan on Twitter: https://twitter.com/financialissues Watch & Listen to the Truth: Dan's Commentary 2016 Republican President will improve US Markets: http://bit.ly/1TlEDWb Exclusive Interview w/ Gov. Mike Huckabee: http://bit.ly/fismgovh Economic Armageddon / Keep Cash at Home: http://bit.ly/1QpTWu8 Let's be real the Economy is Bad: http://bit.ly/1OMPQMd Financial Issues - Program March 29, 2016 *Information given by Dan could be based upon time sensitive market data or economic situations that are subject to change.
Просмотров: 3436 Financial Issues with Dan Celia
Your TSP Investment Options: The Lifecycle Funds
 
01:53
In this video, we'll talk about the professionally designed Lifecycle Funds, also known as the L Funds.
Просмотров: 168919 TSP4gov
Congress approves wider withdrawal choices for thrift savings plan investors
 
04:57
Congress approves wider withdrawal choices for thrift savings plan investors Please subscribe and enjoy more: https://goo.gl/f1PsGD iStock Federal employees and military personnel would have a wider range of options in withdrawing money from their Thrift Savings Plan accounts under a bill that has cleared Congress. The Senate on Monday joined the House in passing a bill largely aimed at encouraging investors to keep their money in the 401kstyle program after leaving federal or military service rather than transferring it into an IRA or other retirement savings program. The bill, which now goes to President Trump, represents one of the most significant changes to the TSP since it became available in the late 1980s for federal employees military personnel became eligible later. There are more than 5 million account holders with total account balances above $500 billion. After leaving federal or military service for retirement or other reasons, investors may convert their money into an annuity, withdraw it as a lump sum or draw it out as a series of roughly equal payments monthly. Under the latter two options, they may transfer all or part of the account into an IRA or other retirement savings plan. They also may leave their accounts in place, subject to certain minimum withdrawals required by the tax code. By moving their money out, TSP officials argue, investors lose the advantage of the TSP’s low administrative costs, as well as the option to invest in a government securities fund that yields higher interest than similar investments elsewhere. However, IRAs offer far more tailoring of withdrawals. The National Active and Retired Federal Employees Association praised the Senate vote Tuesday as clearing the way for investors to have “greater control over their own retirement savings and the ability to plan responsibly for their future. The changes, common in the private sector, are much needed and long overdue.” The bill would not change the basic withdrawal options but would add flexibility. Currently, except for financial hardship situations, investors may take only one withdrawal while still employed or on active duty, after age 59½ when there is no longer a tax penalty for such withdrawals. Also, they may take only one partial withdrawal after leaving — and even that is not allowed for those who took one while in service — and must designate a second choice for the remaining account balance. The measure would allow multiple partial withdrawals, both after reaching the age threshold before separation and after separation. It also would create new options for taking regular payouts Investors could choose quarterly or annual payments in addition to monthly payments, change the amounts at any time rather than just once a year, and, if they begin but stop such payments, could choose an annuity in addition to a lump sum with their remaining balance. The need to issue rules to carry out the changes, assuming that the bill is signed into law, likely would push off the effective date until sometime next year. The TSP started seeking the changes in 2015 after a study of investor behavior found that fourtenths of investors close their accounts within the first year after leaving government, with lack of withdrawal choices being a main reason. A survey released last month similarly showed that threetenths of participants within 10 years of retirement said they intend to transfer their money out of the TSP on retirement, with the limited range of withdrawal options one of the top reasons cited. The bill does not address another point of dissatisfaction with the TSP cited in those surveys the limited investment options. The TSP offers just five core funds, all passive and indexbased, and five “lifecycle” funds that mix investments in the core funds, varying by projected withdrawal date. The TSP has had authority for years to create a “window” through which participants could designate some of their money to be invested in mutual funds available in the open market. The program’s governing board committed in 2015 to using that authority, but it remains in the planning stages.
Просмотров: 586 TRUMP BREAKING NEWS
Government TSP: What Everyone Ought To Know About TSP Lifecycle Funds - 2014 Update
 
13:16
The companion blog post to this video can be found here: http://realizeyourretirement.com/tsp-lifecycle-funds/
Просмотров: 19799 Realize Your Retirement
TSP After Retirement - Thrift Savings Plan After Retirement
 
22:08
What are tsp strategies after retirement – What is a tsp after retirement? 1-800-566-1002 http://www.RetireSharp.com . What are the best types of tsp after retirement and learn how you can avoid the most common mistakes that individuals have made when looking to leverage their tsp after retirement. Considering All Resources When Planning for Retirement When you are busy living your life, you have little time to think about retirement. Your family and personal goals are foremost on your mind. Yet if you do not make time to plan for your retirement, the time to retire can come before you have set plans in place to provide for yourself and your family during your golden years. You may not be able to maintain the kind of lifestyle you would like to have during your retirement if plans are not put in place now. Instead of waiting, follow these simple steps to plan for your retirement now so your retirement years will be a reward for all those years during which you worked so hard. Discover the Plans Your Employer Offers Many employers offer pension plans, 401k, or other retirement plans as part of their employees' benefit packages. If you are unaware about what they offer, ask. If you are currently in the military or have served in the past, you may have a Thrift Savings Plan (TSP) or a military pension that you can access after you retire. Discover Other Retirement Income You May Have If you have money invested in mutual funds or stocks, you may want to derive some of your retirement income from these sources. Your spouse may also furnish part of your retirement income if she or he is still working or will have his or her own retirement income. Learn how you can access these sources of income long before you retire so you have a solid plan in place. Discover What You May Earn from Social Security Benefits To estimate the amount of money you may earn from your Social Security retirement benefits, you can use the calculator on the Social Security Administration website. At the bottom of the webpage, there will be a button. Click the button and follow the directions. After you finish the process, you will receive an estimate. While you are online, you may also fill out a form to request a copy of your Social Security statement, which you may access as many times as you wish. You should, however, check it at least on a yearly basis to make sure that they have an accurate record of your earnings. If they have missed any of your income, act immediately to notify their office of the error. To procrastinate on such an important matter can cause more trouble down the road, particularly if records of the missing income are unavailable after many years. Discover Your Total Estimated Retirement Income Now that you have identified each source of retirement income, calculate the amount of money you should receive from each of those sources. Doing so will help you to estimate whether you will have enough to provide you with the lifestyle you want after retirement. Discover What Level of Income You Will Need To make an accurate estimate of your retirement plan's adequacy, you will need to calculate how much money you will probably need to maintain the retirement lifestyle you want. When you calculate this estimate, you must also factor in the increase in the cost of living that usually occurs over time. Your current expenses, such as housing, transportation, utilities, and food will likely remain the same, with the exception of what you would spend on transportation to and from work. Add in a generous amount for recreation as well. With more time on your hands, you may want to travel more, attend more concerts, or pursue hobbies or charity work. If your projected income will not provide enough money to fund your desired lifestyle, you may want to consider creating another source of retirement income, such as another investment account or another job after you retire. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: tsp after retirement annuities tsp after retirement income tsp after retirement explained tsp after retirement reviews tsp after retirement review What is the best fixed indexed tsp after retirement vs the top immediate income tsp after retirement https://www.youtube.com/watch?v=NfDbKQUfrDs
Просмотров: 8130 retiresharp
TSP I Funds 100% ???
 
06:07
Since the TSP I Fund gained almost 28% within the last 12 months, some of my fed employee clients were asking me if they should transfer all their TSP money to the I Fund. This quick video will reveal my answer. Enjoy watching....Don't FORGET to Subscribe !!!
Просмотров: 99 Nefty Mendiola
How To Maximize Your Investments In The TSP
 
11:08
Discussing the 6 TSP funds that are available for investing and which fund outperforms all the others. Learn how compound interest can make you hundred and thousands of dollars over a long period of time. -The TSP is for federal government employees. -It is a retirement account with 6 funds. -The maximum annual contribution is $18,000. -The TSP can roll over into a 401K. -Learn how compound interest can work in your favor. Link To The Thrift Savings Plan Website: https://www.tsp.gov Investment Calculator Tool Link: https://www.daveramsey.com/smartvestor/investment-calculator Active Duty Members check out my video on.. The Goods&Bads Of Joining/Leaving The Military - Weighing All The Pro's And Con's: https://youtu.be/P4f4Qns8SkM
Просмотров: 732 William Kelly
How to MAXIMIZE Your 2017 TSP Contributions!
 
08:07
2017 is upon us, and I want to show you how to MAXIMIZE your contributions to the Thrift Savings Plan. Full Article Here: http://www.fedretirementplanning.com/federal-employees-need-financial-plan/ -- ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management, Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and subscribe! -- © Copyright Fed Retirement Planning 2017, All Rights Reserved
Просмотров: 16200 Fed Retirement Planning
Dave Ramsey Thrift Savings Plan Thoughts
 
07:52
Dave Ramsey, the popular financial radio show host, has some opinions on the TSP. His main advice, don't begin long-term investing UNTIL you are debt-free except your home. Article: http://www.fedretirementplanning.com/dave-ramsey-thrift-savings-plan-thoughts/ -- ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management through Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2016, All Rights Reserved
Просмотров: 37798 Fed Retirement Planning
*TSP RANT* Buy Low, Sell High | #FedRetirementWeekly Ep. 12
 
09:18
Question: Cooper, when should I move from the G-Fund to the C, S, and I Funds? ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management through Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2016, All Rights Reserved
Просмотров: 2145 Fed Retirement Planning
Should I Move My Thrift Savings Plan To L 2020?
 
05:00
Linda is approaching retirement after 30 years of employment with the federal government. She had her TSP (Thrift Savings Plan) divided into G, C, I, and F-funds. A friend suggested that Linda move everything to the L 2020 plan. Wes discusses the pros and cons of this strategy. Original air date: June 4, 2017 - Hour 2, Call 3. Wes Moss is the host of MONEY MATTERS – the country’s longest running live call-in, investment and personal finance radio show – on News 95-5FM and AM 750 WSB. You Can Retire Sooner Than You Think, Buy it here: https://retiresoonerbook.com/
Просмотров: 85 Wes Moss Money Matters
Cooper's Ultimate Guide to the TSP's C-Fund!
 
11:48
↓↓↓COOPER'S C-FUND GUIDE ↓↓↓ http://www.fedretirementplanning.com/the-ultimate-guide-tsp-c-fund/ This is the ULTIMATE guide to the TSP C-Fund. Period. ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management, Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- Graphs used from: LynAlden.com - she has an awesome infograph on the I-Fund as well. -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2017, All Rights Reserved
Просмотров: 8066 Fed Retirement Planning
Dave Ramsey says, "Move Your TSP to an IRA"
 
06:51
Dave Ramsey Recently gave this advice regarding a TSP investors questions on the TSP versus the IRA: "I'd roll it to an IRA outside [of the TSP] - you can do better with open market mutual funds than the Thrift options give you." To see the rest of his thoughts visit the link below about the article. To watch my previous video on Dave Ramsey's thoughts on the TSP, visit here: https://youtu.be/nkJtG9vHfug Article: http://wp.me/p5Ljwd-35 -- ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management through Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2016, All Rights Reserved
Просмотров: 92123 Fed Retirement Planning
Thrift Savings Plan Withdrawal - Thrift Savings Plan Withdrawals Explained
 
08:25
What are thrift savings plan withdrawals – What is a thrift savings plan withdrawal? http://www.RetireSharp.com 1-800-566-1002. What are the best types of ways to take tsp withdrawals for retirement and learn how you can avoid the most common mistakes that individuals have made when looking to withdraw money from their tsp retirement accounts. Do you know exactly what the Thrift Savings Plan actually is? Also known as the TSP, the Thrift Savings Plan is the retirement savings plan provided by the U.S. government for federal employees and federal retirees as well as current and former members of the U.S. Uniformed Services. The Thrift Savings Plan is a tax-deferred defined plan of contribution. It is administered and controlled by the Federal Retirement Thrift Investment Board, an independent government agency established in 1986 for this purpose. The Thrift Savings Plan is very similar to a private sector 401k plan, in that it serves as an investment vehicle for an individual's retirement funds. These retirement funds are accumulated through participant contributions, agency contributions (if applicable), and earnings through the investment of contributed funds If you are wondering which civilian employees would be eligible for Thrift Savings Plan participation, they would be those employees that are covered by the Federal Employees Retirement Systems (FERS) or Civil Service Retirement System (CSRS). If you are one of these employees, this would mean that you are eligible, too. Every participant is eligible to benefit from tax deferred contributions; in-service financial hardship withdrawals from the age 59 and onwards; five available funds to invest in; the opportunity to transfer in monies from other eligible retirement savings account plans; favorable loan programs; and an option of choices in post-separation withdrawal. The Thrift Savings Plan is an excellent retirement savings benefit that federal employees and the military would be wise to take advantage of. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: tsp withdrawals Thrift savings plan withdrawals fully explained Tsp withdrawal strategies Best thrift savings plan withdrawal techniques to make sure you can properly leverage your tsp account to meet your goals https://www.youtube.com/watch?v=u-zGZ5hMObA
Просмотров: 3218 retiresharp
TSP Retirement Plan - TSP Retirement Plan for Dummies
 
25:11
What are tsp retirement plans – What is a tsp retirement plan? 1-800-566-1002 http://www.RetireSharp.com . What are the best types of tsp retirement plans for retirement and learn how you can avoid the most common mistakes that individuals have made when looking to set up a tsp retirement plan. Managing Your TSP Retirement Managing a retirement account is often the last thing anyone thinks of doing. And for those with a government TSP (Thrift Savings Plan) it is probably even further down the list. Although a TSP only contains five funds from which to choose, this very factor makes managing the account even more important. WHY, because there is less wiggle room. The opportunity for success is equally as dramatic as that of losing it all. A middle ground would be to divide your retirement money into each of the TSP funds equally. You won't seem dramatic growth, but you could end up with steady upward steps that should at least beat inflation. The challenge with such a basic diversified plan is that you may not generate enough money to live upon when you reach retirement. Since you are limited to no more than two trades per month in your TSP account, managing your retirement means: TSP funds are private and not traded on the regular stock market exchanges. This means you need to watch funds or ETFs that closely resemble your TSP funds. Once you know which symbols to watch, or you look at the performance via your TSP login, you can adjust your holdings to meet your objectives. You can focus on growth or safety or by diversifying amongst the funds you can weight your holdings towards your preference of growth or security. Various charting software, even free online software, can give you an indication of what is happening with each of your funds. Investment software based on technical analysis can take the basic information a step or two further and in seconds provide recommendations based not just on the movement of your funds but how they compare to each other and even to the stock market as a whole. This type analysis, dubbed relative strength, can lead you to the best performers at the current time and also tell you when to sell or switch funds. Selling, many investors forget, is the only way you actually make money. You have no gain, no profit, except on paper until you sell a fund. Switching from one fund into another locks in the profit gained from the first fund while giving you the opportunity to grow your money further with the fund that is now moving ahead with greater relative strength. Or, you may simply want to sell from the more 'growth' fund and transfer part or all of the money into a more stable but inflation beating fund to secure that money for the future. Regardless of how you go about handling your TSP retirement account, simply doing nothing and let it rest in the default fund will barely keep your money even with inflation (kind of like stuffing it in a coffee can for a future date) when prices for everything, yes everything will be higher. Taking a few minutes a week or a month can mean the difference between enjoying retirement or being stressed out with every bill that comes in the mail. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: tsp retirement plan annuities tsp retirement plan income tsp retirement plan explained tsp retirement plan reviews tsp retirement plan review What is the best fixed indexed tsp retirement plan for retirement vs the top immediate income tsp retirement plan https://www.youtube.com/watch?v=nxIy2-GG5Qw
Просмотров: 1113 retiresharp
Your TSP Investment Options: The S Fund
 
01:36
In this video, we'll talk about the Small Capitalization Stock Index Fund, also known as the S Fund.
Просмотров: 81527 TSP4gov
8. TSP account management
 
10:28
How to manage the funds in a TSP account. The difference between lifecycle funds and index funds.
Просмотров: 3737 blankzilla
Thrift Savings Plan Basics
 
04:56
FOR MORE INFORMATION VISIT OUR WEBSITE www.RetireSharp.com OR CALL OUR TOLL-FREE NUMBER 1-800-566-1002 TO SPEAK WITH A STRATEGY SPECIALIST AT NO COST!!!
Просмотров: 15997 retiresharp
Your TSP Investment Options: The F Fund
 
01:43
In this video, we'll talk about the Fixed Income Index Investment Fund, also known as the F Fund. To learn more about the investment index fund that the F Fund tracks, visit http://www.bloombergindices.com
Просмотров: 16869 TSP4gov
What are the TSP Withdrawal Options?
 
08:48
Do you know your options for withdrawal from the Thrift Savings Plan? You may be surprised to hear, but you are allowed only one partial and one full withdrawal. Link to TSP Article Discussed: https://www.tsp.gov/planparticipation/withdrawals/withdrawingAccount.shtml -- ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management through Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2016, All Rights Reserved
Просмотров: 42020 Fed Retirement Planning
TSP Explained: Easy guide on the different funds
 
12:44
TSP as easy as 123. Here is a 10-minute guide to the different funds in TSP and which ETF's they track. I also included a few resources on how to track and monitor your funds either putting in almost no time or putting in a lot of time. Be smart about your retirement and know how to invest in your 401K Please check out my Patreon site!!!! https://www.patreon.com/user?u=6046258
Просмотров: 654 Topnotch
THRIFT SAVINGS PLAN | TSP
 
14:32
Military Investing and changes to the military and federal retirement system discussed and best approach moving forward. Make #money by #investing in and #buying #stocks on the #stock #market. My strategy of #Self #Directed Investing helps new #investors #invest hard earned #retirement #dollars and eliminate the impact of fee based services and tax implication. #Compounding interest calculator and fee comparison tool: http://www.tradingacademy.com/resources/calculators/compare-investment-fees.aspx ----The following equipment was used to produce this video---- Camera: http://amzn.to/2r4PWKX (Hero 4)(Old videos) Camera: http://amzn.to/2sc4Alk (Hero 5)(New videos) Tripod: http://amzn.to/2sceOlG Lighting: http://amzn.to/2rxXE1G Desk: http://amzn.to/2sc0s4K Microphone: http://amzn.to/2sLGTgz Citizen Watch: http://amzn.to/2s5LAny Top 5 Investing Books and Videos: "Becoming Warren Buffet": http://amzn.to/2g616t1 "America 20/20" by Stansberry Res.: http://amzn.to/2fGXWLr "Unshakeable" by Tony Robbins: http://amzn.to/2kihGul "Real Money" by Jim Cramer: http://amzn.to/2xOQzdn "The Intelligent Investor": http://amzn.to/2xbQMdn DISCLAIMER: This video and description contains affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. This helps support the channel and allows us to continue to make videos like this. Thank you for the support! DISCLAIMER: I do not provide personal investment advice and I am not a qualified licensed investment advisor. All information found here, including any ideas, opinions, views, predictions, forecasts, commentaries, suggestions, or stock picks, expressed or implied herein, are for informational, entertainment or educational purposes only and should not be construed as personal investment advice. While the information provided is believed to be accurate, it may include errors or inaccuracies. I will not and cannot be held liable for any actions you take as a result of anything you read and/or view here. One singular mission: Share with every viewer the best kept secret in the Financial Wold! It's a secret that money managers don't want you to know about. Here it is: You can own/trade individual stocks, #etf's, own #index funds and limited partnerships or bond funds all within your roth ira account! The secret is in the type of account you need to start. The self directed account. You will not hear this from your financial planner. This relatively new service is available to anyone who opts to take charge of their own financial future and can do so by starting a self-managed Roth IRA. Any roth account will provide tax shelter and allow for contributions and earnings to be withdrawn at age 59.5 years old. However, only a self-managed account can maximize profits through wealth preservation by eliminating fees charged to traditional investment accounts. Cumulative growth, dividend re-investment and compounding interest can all work to maximum potential for you free of the damaging effect of fees from traditional managed account types. It's an exciting time to be an independent investor. Accelerate your returns by building a passive or active portfolio using my 22 years of experience and foundational approaches that are easy to understand and take little to no experience. Just a little initiative will result in stepping into a whole new world of accelerated profits and financial security for you, and your family. No too accounts are the same. Investment tolerances differ. That makes it even more important for you to pay attention to and learn some of the basic terminology, potentials, account types and use them to align your specific financial plan with your financial future. See what it's like to become an Independent Investor. It may be the most financially liberating move you could ever make in your life!
Просмотров: 365 Independent Investor
TSP Matching - Thrift Savings Plan Matching Explained
 
14:57
Thrift Savings Plan matching – How to use your TSP matching retirement plan? 1-800-566-1002 http://www.RetireSharp.com . Understand the most efficient ways to leverage your thrift savings plan matching for a comfortable retirement income plan through tsp retirement rollovers. Avoid the most common mistakes that individuals make when using thrift savings matching retirement plans costing them thousands of dollars in retirement. Managing Your TSP matching Retirement Managing a retirement account is often the last thing anyone thinks of doing. And for those with a government TSP (Thrift Savings Plan) matching it is probably even further down the list. Although a TSP only contains five funds from which to choose, this very factor makes managing the account even more important. WHY, because there is less wiggle room. The opportunity for success is equally as dramatic as that of losing it all. A middle ground would be to divide your retirement money into each of the TSP funds equally. You won't seem dramatic growth, but you could end up with steady upward steps that should at least beat inflation. The challenge with such a basic diversified plan is that you may not generate enough money to live upon when you reach retirement. Since you are limited to no more than two trades per month in your TSP account, managing your retirement means: TSP funds are private and not traded on the regular stock market exchanges. This means you need to watch funds or ETFs that closely resemble your TSP funds. Once you know which symbols to watch, or you look at the performance via your TSP login, you can adjust your holdings to meet your objectives. You can focus on growth or safety or by diversifying amongst the funds you can weight your holdings towards your preference of growth or security. Various charting software, even free online software, can give you an indication of what is happening with each of your funds. Investment software based on technical analysis can take the basic information a step or two further and in seconds provide recommendations based not just on the movement of your funds but how they compare to each other and even to the stock market as a whole. This type analysis, dubbed relative strength, can lead you to the best performers at the current time and also tell you when to sell or switch funds. Selling, many investors forget, is the only way you actually make money. You have no gain, no profit, except on paper until you sell a fund. Switching from one fund into another locks in the profit gained from the first fund while giving you the opportunity to grow your money further with the fund that is now moving ahead with greater relative strength. Or, you may simply want to sell from the more 'growth' fund and transfer part or all of the money into a more stable but inflation beating fund to secure that money for the future. Regardless of how you go about handling your TSP retirement account, simply doing nothing and let it rest in the default fund will barely keep your money even with inflation (kind of like stuffing it in a coffee can for a future date) when prices for everything, yes everything will be higher. Taking a few minutes a week or a month can mean the difference between enjoying retirement or being stressed out with every bill that comes in the mail. Please make sure to subscribe to our YouTube channel for the most updated videos. Thanks for watching! Related search terms: Tsp matchings What is a thrift savings plan matching What is tsp matching retirement? Thrift savings plan matching rollover Tsp matchings retirement rollover to ira Tsp matching retirement explained How to use your thrift savings plan matching for retirement
Просмотров: 398 Sharon Conway
TSP F Fund - What You Need To Know
 
20:38
The TSP F Fund is the Thrift Savings Plan version of a corporate bond fund. However, if you dig a little bit you'll quickly see why this fund is NOT a corporate bond fund in the least. Why do I say this? Look what happened in 2008. In 2008 everything, and I mean EVERYTHING got hammered. That is, everything for government bond funds. Government bonds did swimmingly in that year as everyone was fleeing from risk into assurance. What did a typical corporate bond fund do in 2008? Well look at USAA's Income Fund, USAIX. It was down over 5%. What did the TSP F Fund do? It was UP over 5%! The only way to do that was to have exposure to government bonds, such as GNMAs. Does the F Fund have some corporate bonds in ti too? Yup. That's why I actually changed my mind mid-episode as to the fund I'd choose for my fixed income holdings, the G Fund or the F. The F has a broader range of fixed income products in its portfolio. That will lead to a bit more risk but should provide more return too. In fact over the last 10 years we see that precisely. The F fund doubled the rate of return of the G. In a low yielding environment every percentage point you can get helps, a lot. So, if you can get say double the rate of return of the G Fund without doubling the risk, that's a chance I'd take indeed. Will it ALWAYS double the returns of the G fund? Of course not. It may in fact perform worse. I've no clue. But given it's track record and history of never having wealth destroying years, I'm pretty fond of the F fund. Now, mind you, I'm not fond of bond funds in the whole. After taxes and inflation, it's going to be awful to make any money in them. But if I needed to put a bond fund into my portfolio, I won't yell at you for choosing the TSP F Fund. ================================= If you like what you see, a thumbs up helps A LOT. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1 Contact me: Josh@heritagewealthplanning.com GET MY BOOK: Strategic Money Planning: 8 Easy Ways To Put Your House In Order It's FREE if you're a Kindle Unlimited Subscriber! https://amzn.to/2wKGi50 GET ALL MY LATEST BLOGPOSTS: http://heritagewealthplanning.com/blog/ PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/ LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen Google +: https://plus.google.com/u/1/108893802372783791910
Просмотров: 34 Heritage Wealth Planning
Thrift Savings Plan Rollover - Thrift Savings Plan Rollovers Easily Explained
 
13:27
What are thrift savings plan rollovers – What is a thrift savings plan rollover for retirement? http://www.RetireSharp.com 1-800-566-1002. What are the best type of tsp rollovers for retirement and learn how you can avoid the most common mistakes that individuals have made when looking to roll over their thrift savings plan. Accessing Your TSP Money Loans - Anyone who is actively employed that has a vested balance in the TSP may use TSP 20 to request a general purpose loan or a loan for the purpose of a residence. The amounts you can take, the repayment schedule, and consequences for nonpayment on the loan should be checked with TSP so you understand. However it is an option to you which provides flexibility, and perhaps the opportunity to avoid much higher interest debt or a financial emergency. Hardship Withdrawals - While working, but prior to age 59.5 it is also possible to access funds if it can be documented that there is a financial hardship. This type of withdrawal does not prevent the 10% penalty, or other taxes, it simply allows the withdrawal to occur when it otherwise wouldn't be available. In addition any contributions through payroll to the TSP are disallowed for the subsequent 6 months. See TSP form 76 and contact TSP for details. A Brand New Option For Certain Federal Employees - Just recently here in 2015 it was passed that employees in federal law enforcement, customs and borders protection officers, federal firefighters, and air traffic controllers who separate during or after the year in which they turn age 50 may withdraw funds directly from their TSP balance and avoid the 10% penalty that previously applied. This does not work if you do any of the following: take a withdrawal before the end of 2015 as it starts next year, retire from one of these occupations prior to age 50, or roll over your balance to an IRA and then elect a withdrawal from there. Age Based Age 55 - If you leave government service in the calendar year that you turn age 55 or older, rather than 59.5, then you can access the funds in your TSP as a direct withdrawal and not incur the 10% tax penalty. The withdrawal you take in hand will still incur income taxes. Rolling over these funds to an IRA cause this temporary period of avoiding the 10% penalty to end and withdrawals from the IRA will carry the 10% penalty until age 59.5 Age 59.5 - This is the easy one. If you are still actively employed with the federal government and you are over the age of 59.5, meaning it is less than 6 months to your 60th birthday, than you are able to access your funds one time. This one time transaction may be a withdrawal directly to you or it may be a rollover to a traditional IRA in the marketplace. It may account for some of the money or all of the money. Your contributions through payroll will continue to go into your TSP balance. It will simply start from zero again if your one time transaction accounted for all the money previously there. This is TSP Form 75. Age 70.5 - If you have retired from federal service, but not rolled over your balance, distributed it as a taxable check, or turned it into a second annuity beyond FERS/CSRS then you will have to start taking taxable withdrawals from your TSP balance upon reaching age 70.5. Currently this is equal to 3.65% of the account balance and increases as a percentage of it over time. Monthly withdrawals Annuity - Upon retirement some choose to add a lifetime monthly annuity check on top of their FERS or CSRS pension and any Social Security to which they are entitled. This is done by electing an annuity with the TSP balance. For reference, this option is the one outlined on each statement of your account you receive that estimates the monthly check you would receive based on your age and the balance. Although this is not often done for its disadvantage of giving up control of the funds, there is no one right answer for all people. Also options can be chosen that assure a payment continues to a spouse, or a continuation of the payment for at least a fixed period of years occurs, among other options. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: tsp rollover Tsp rollovers Best thrift savings plan rollover Roll over thrift savings plan fully explained Tsp roll over for dummies What is the most effective way to conduct a tsp rollover for and make sure you are accomplishing your thrift savings plan retirement goals properly https://www.youtube.com/watch?v=3hPn1PNBHcU
Просмотров: 2657 retiresharp
TSP Investing Made Simple
 
02:18
Просмотров: 559 TSP Superstar
Why Most Federal Employees Should Invest in the Roth TSP!
 
06:40
↓↓ ONLY SUBSCRIBE IF YOU'RE IN THE TSP ↓↓ https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 Too few federal employees are investing in the Thrift Savings Plan (TSP) and that needs to change. ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management, Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2018, All Rights Reserved
Просмотров: 6879 Fed Retirement Planning
TSP S Fund - What You Need To Know
 
10:35
The TSP S Fund is basically an Extended Market Index Fund, similar to VEXMX at Vanguard or USMIX at USAA. You take the Total Stock Index, which is VTSMX at Vanguard, subtract out the S&P 500 and what you have remaining is the extended market. The smaller market capitalization publicly traded companies in the US. Because the stocks in the portfolio are smaller they are riskier. Risky means more likely to go bankrupt. But risk also means more upside potential too. And that's exactly what we've seen with the S fund. Compared to the C Fund it's done a bit better, but that performance has come with a cost, much more downside risk. In terms of a broadly diversified portfolio you need to have some exposure to small and mid sized companies. The TSP fund provides just that. At a cost that is world beating- 3.3 bps. That means 33 cents per $1000 per year. Just insane how cheap that. ================================= If you like what you see, a thumbs up helps A LOT. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1 Contact me: Josh@heritagewealthplanning.com GET MY BOOK: Strategic Money Planning: 8 Easy Ways To Put Your House In Order It's FREE if you're a Kindle Unlimited Subscriber! https://amzn.to/2wKGi50 GET ALL MY LATEST BLOGPOSTS: http://heritagewealthplanning.com/blog/ PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/ LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen Google +: https://plus.google.com/u/1/108893802372783791910
Просмотров: 59 Heritage Wealth Planning