Yesterday, I went live on Facebook for the first time to talk about a timely and important topic for Federal Employees. There’s a good deal of money to be saved (& even earned!) when choosing the right FEHB coverage. This live feed can give you some pointers to choose wisely. Check it out below and while you’re at it, join my Facebook page to get more great tips and ask questions!
Here’s the scoop for the month of June! Once again, the environment is favoring stock investing. I certainly hear the nay-sayers that are concerned for a “correction,” but I don’t rely on a hunch. I rely on data. All four of the economic indicators have improved this month, again. If I see the economy “correcting” itself via the data, that’s when I will adjust my positioning. For now, C fund and S funds are looking good. Take a look at some of the more aggressive portfolios. You may be surprised to see a downside exposure that is “stomach-able.” My lower yielding portfolios are G fund heavy because when stocks do well, you only need a small dose of stocks to lift your overall portfolio performance. (Remember, the G fund itself is targeting a 2.25% rate of return.) You can access the report with my recommended portfolios on the website, www.TSPplanning.com.... View More
Definitions Early outs and buyouts are in the air, and federal employees are scrambling to make their retirement decisions. Below are the technical details that surround early outs and buyouts. Those who know the technical details can skip to the very end of the article where I deal with the pressing question of “Should you do it?” First, let’s get familiar with the terms: Early outs = Voluntary Early Retirement Authority (VERA) Buyouts = Voluntary Separation Incentive Pay (VSIP) Both VERA and VSIP are permissions granted by OPM to Federal agencies, to allow/encourage their employees to retire and receive an immediate annuity years before ordinary eligibility. VERA and VSIP are not always available to all agencies and employees. An agency must request, and be granted VERA and/or VSIP authority from OPM before offering early retirement to its employees. If OPM grants authority, the agency may use this authority at its... View More
Why re-balance? If you’re not re-balancing your TSP, you are actually causing losses in your TSP! There are two mistakes investors unwittingly make when they fail to re-balance: They expose their portfolio to greater risk They don’t grab the opportunity to buy-low-sell-high Getting into a re-balancing habit will inject some growth hormones into your TSP – the safe way! On May 30 at 3 pm EST, I will be hosting a free webinar in an effort to direct those weekend-warrior investors on how to re-balance their Thrift Savings Plan! Reserve your spot now by clicking here. In this webinar, we will explore the Why, When & How to re-balance your TSP. You will learn: What re-balancing it and why you need to re-balance your Thrift Savings Plan. When you should re-balance vs. choosing a whole new allocation altogether. How practically to make re-balancing changes. And more. To register for the... View More