financial planner Stephen Zelcer
what should I do with my TSP for the election?

TSP Planning Report October 2020

TSP Planning Report October 2020 Facts: Unemployment continued to drop.  This month’s unemployment rate came in at 7.9%, compared to last month’s 8.4%. PMI (Purchasing Managers Index) continued to expand. This month’s reading came in at 55.4, compared to last month’s 56. The S&P 500 (C Fund) dropped 3.8% during the month of September.  The

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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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How to allocate your TSP

Live Webinar: What happens to your TSP when you die?

What happens to your TSP when you Die? What happens to your TSP when you die?  Of course, the money needs to go somewhere, to someone, but are there any best practices? Join me in my upcoming webinar and we’ll explore the following: various TSP beneficiaries – spouse vs non-spouse   tax ramifications putting the TSP into

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tsp report for August

TSP Planning Report August 2020

Facts: Unemployment reads 10.2%, compared to last month’s 11.1%.  PMI (Purchasing Managers Index) expanded to 54.2, compared to last month’s 52.6. The S&P 500 (C Fund) increased 5.64% during the month of July. The Fed Funds interest rate remains between 0% – 0.25% However, GDP for Q2 dropped to an eye-popping -32.9%, according to the

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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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TSP Planning Report 2020 from Stephen Zelcer

TSP Planning Report June 2020

Facts: Unemployment reads 13.3%. The Fed Funds interest rate remains between 0% – 0.25% Q1 GDP read -5% according to the 2nd estimate.   PMI contracted to a jaw dropping 43.1% The S&P 500 (C Fund) increased 4.76% during the month of May. Assessment: The above facts are improved compared to last month’s report.   But, such

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Bull and bear market tsp report investment

TSP Planning Report May 2020

Facts: Unemployment reads 14.7%, with the most recent number of unemployment claims reaching 39 million The Fed Funds interest rate has been lowered to between 0% – 0.25% • Q1 GDP read -4.8% according to the first estimate. PMI contracted to a jaw dropping 41.5% The S&P 500 (C Fund) increased 12.8% during the month

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Special TSP Planning Report March 2020

Facts before the Coronavirus meltdown: Unemployment came in at 3.5%. 4th Quarter GDP was 2.1%, according to the 2nd estimate. PMI expanded, with the index reading to 50.1%. The S&P 500 (C Fund) decreased -8.24% during the month of February. Projections after the Coronavirus meltdown: Unemployment range 9% – 30% !!!!!  To put in perspective,

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