financial planner Stephen Zelcer

Category: TSP

TSP Planning Report May 2023

TSP Planning Report May 2023 Facts: The 2nd estimate of Q1 (2023) GDP has come out, showing a 1.3% growth in GDP.  This is on the heels of 2.6% GDP growth in Q4 2022.   The G Fund rate for May 2023 remained at 3.625%.   The Fed Funds interest rate increased to 5.25%. It was 4.83%

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TSP Planning Report April 2023

April 2023 TSP Planning Report Facts: The 1st estimate of Q1 (2023) GDP has come out, showing a 1.1% growth in GDP. This is on the heels of 2.6% GDP growth in Q4 2022. The G Fund rate for April 2023 decreased back to 3.625%. It was 4.125% last month. The Fed Funds interest rate

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Image for March TSP Planning Report

TSP Planning Report March 2023

TSP Planning Report March 2023 March 2023 TSP Planning Report: Facts: The G Fund rate for March 2023 increased back to 4.125%.  It was 3.625% last month. The Fed Funds interest rate increased to 4.83%.  It was .08% just over a year ago.  This month’s unemployment rate increased from 3.4% to 3.6%.   PMI (Purchasing Managers Index)

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TSP Planning Report 2023

TSP Planning Report January 2023 Facts: The G Fund rate for Jan 2023 increased back to 4%.  It was 4.25% in November 2022.   The Fed Funds interest rate increased to 4.33%.  It was .08% last year.  This month’s unemployment rate dropped to 3.5%.   PMI (Purchasing Managers Index) contracted for the 2nd time in 30 months,

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what are the alternatives to the G Fund

What are the Alternatives to the G fund?

Alternatives to the G fund –Even when the Debt Ceiling is not threatening the G Fund: Alternatives to the G Fund: Before I get into the Debt Ceiling and its relationship with the G fund, I first want to begin by sharinghow I help clients re-create G fund benefits outside the TSP. Here’s what investors

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TSP planning report image for December

TSP Planning Report December 2022

TSP Planning Report December 2022 Facts: The G Fund rate for December 2022 actually decreased to 3.875%.  It was 2.75% in August.   The Fed Funds interest rate increased to 4.33%.  It was 3.83% last month.  It was .08% last year.  This month’s unemployment rate remained at 3.7%.   PMI (Purchasing Managers Index) contracted for the first

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TSP Planning Report for 2021

TSP Planning Report November 2022

TSP Planning Report November 2022 Facts: The G Fund rate for November 2022 increased to 4.25%. It was 2.75% in August. The Fed Funds interest rate increased to 3.83%. It was 2.5% in August. In June in was 1.65%, and 0.9% in May. This month’s unemployment rate increased back to 3.7% from 3.5%. PMI (Purchasing

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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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14 Differences between TSP vs IRA

14 Differences between TSP & IRA TSP vs. IRA: Both are retirement accounts, both offer a Roth and a Traditional option, yet there are many important differences. Here are 14 differences Contribution Amounts (2022):  TSP allows $20,500 annual contributions while IRAs only allow $6,000.  Furthermore, TSP allows an additional ‘catch-up’ contribution of $6,500 starting the year you

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