financial planner Stephen Zelcer

Category: TSP

TSP Planning Report April 2022

April 2022 TSP Planning Report: Facts: The G Fund rate for April 2022 was increased to 2.5% , from March’s 2%. This month’s unemployment rate decreased from 3.8% to 3.6%.   PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 57.1, compared to last month’s 58.6.

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TSP Planning Report March 2022

TSP Planning Report March 2022 Facts: The G Fund rate for March 2022 was increased to 2% , from February’s 1.825%.  It was 1.325% in March 2021.   This month’s unemployment rate decreased from 4% to 3.8%.  Unemployment was at 6.2% a year ago, in Feb 2021. PMI (Purchasing Managers Index) continued to expand (any reading

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TSP Planning advice for Federal Employees

TSP Planning Report January 2022

TSP Planning Report January 2022 Facts: The G Fund rate for January 2022 was set at 1.625%. This month’s unemployment rate decreased from 4.2% to 3.9%.  Unemployment was at 6.3% in January 2021. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at

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TSP Planning Report December 2021

December 2021 TSP Planning Report:   Facts: This month’s unemployment rate decreased from 4.6% to 4.2%.  Unemployment was at 6.3% in January 2021. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 61.1, compared to last month’s 60.8. The S&P 500 (C Fund) decreased .69%

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Accessing your TSP at age 55

Q&A – Accessing your TSP at age 55

Q&A – Accessing your TSP at age 55 Question Stephen, I was in one of your classes earlier this year and have a question if that is OK. I am retiring the end of December just over MRA at 57. I have 33 years of service. I plan to take the Social Security Supplement. It

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Should I use my TSP to start a business?

Q&A – Should I use my TSP to start a business? (This article originally appeared as Ask Bob: Do I Qualify For a TSP Hardship Withdrawal – here) Question My wife and I started a business, but due to COVID, materials, construction prices dramatically increased and permitting delays we have not been able to open

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TSP Planning Report for 2021

November TSP Planning Report 2021

November 2021 TSP Planning Report: Facts: This month’s unemployment rate decreased from 4.8% to 4.6%.  Unemployment was at 6.3% in January 2021. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 61.1, compared to last month’s 60.8. The S&P 500 (C Fund) increased 7% in

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TSP Planning Report – October 2021

October 2021 TSP Planning Report: Facts: This month’s unemployment rate decreased from 5.2% to 4.8%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 59.9, compared to last month’s 59.5. The S&P 500 (C Fund) decreased 4.65% in September, compared to an increase 3.03% in

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TSP Planning Report – September 2021

TSP Planning Report – September 2021 Facts: This month’s unemployment rate decreased from 5.4% to 5.2%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 59.9, compared to last month’s 59.5. The S&P 500 (C Fund) increased 3.03% in August, compared to

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