financial planner Stephen Zelcer

TSP Planning Report October 2022

TSP Planning Report October 2022  Facts: The G Fund rate for October 2022 increased to 4%.  It was 3.375% in September, and 2.75% in August.   The Fed Funds interest rate remains at 3.25%.  It was 2.5% in August. In June in was 1.65%, and 0.9% in May. The Fed anticipates 1 more rate increase this

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TSP report August 2022 from Stephen Zelcer

TSP Planning Report August 2022

TSP Planning Report 2022 Facts: The G Fund rate for August 2022 dropped to 2.75%.  It was 3% in July.   The Fed Funds interest rate increased to 2.5%.  In June in was 1.65%, and 0.9% in May. The Fed anticipates more rate increases over the remainder of this year.  This month’s unemployment rate dropped slightly

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TSP report for July

TSP Planning Report – July 2021

TSP Planning Report – July 2021 Facts: This month’s unemployment rate increased from 5.8% to 5.9%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 60.6, compared to last month’s 61.2. The S&P 500 (C Fund) increased 2.33% in June, compared to

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creating a retirement investment strategy

Creating a Retirement Distribution Strategy – Live Webinar

Live Webinar – Creating a Retirement Distribution Strategy Which asset do you dip into to create your retirement income stream, and when? What happens when the market goes up? What should you do when the market goes down? We spent a career squirrelling away money for retirement, expecting our portfolios will be able to carry

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Coordinating your TSP with your other investments

New Webinar – Coordinating your TSP with your other investments

New Webinar – Coordinating your TSP with your other investments The TSP is just one piece of the puzzle. If you have other investment accounts, you can coordinate them with your TSP so that you can position the correct assets in the correct account. This will help you pay less in taxes and be strategic

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TSP Planning Report – May 2021

May 2021 TSP Planning Report:   Facts: This month’s unemployment rate increased to 6.1% from last month’s 6.0%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 60.7, compared to last month’s 64.7. The S&P 500 (C Fund) increased 5.33% in April compared to 4.38%

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TSP report for September

TSP Planning Report September 2020

TSP Planning Report September 2020 Facts: Unemployment continued to drop.  This month’s unemployment rate came in at 8.4%, compared to last month’s 10.2%. PMI (Purchasing Managers Index) continued to expand. This month’s reading came in at 56, compared to last month’s 54.2. The S&P 500 (C Fund) increased 7.19% during the month of August.  This

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Webinar - Are the new L Funds any good?

Live Webinar – Are the new L Funds any good?

Live Webinar: Are the New L-Funds any good? Last month the TSP introduced new L funds and made a bunch of changes to the existing L funds.   Is that a good thing?  Well, let’s just say I’m not thrilled.  It’s time to revisit and reevaluate the L funds and see which, if any, are a

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how should I invest my TSP this month?

TSP Planning Report July 2020

Presidential Election:
Of course, we cannot ignore the elections. Seems every presidential election is a high-drama, “do or die” mentality for Americans. Understandably so.
But the stock market doesn’t seems to be so dramatic come election time. Here’s a collection of market responses to elections dating back to 1980:

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7 financial questions you are probably asking yourself right now

7 Financial Questions you are probably asking yourself Right Now

7 Financial Questions you’re probably asking yourself now These past few weeks I’ve been fielding questions from financially conscious people who want to know how to navigate the current economic environment.  They know something big is happening but don’t know which way to run with it. They’ve heard the adage “when people are greedy, be

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