Should you take a TSP Loan? Borrowing from your retirement account. Hmmm. Is that smart?This is a topic you will find mixed messages about if you search online. There’s a time when it makes sense, and times when it’s a massive mistake. Join me in my upcoming webinar “Should you take a TSP Loan?” where
Is Retirement Better at Beginning or End of Year? Updated for 2024 I often hear people say “I’d rather retire sooner than later.” But when the choice of retirement dates is just a matter of a few months, then people often assume there’s not much difference between sooner or later. What difference does a few
Webinar: How to create investment income in retirement without killing your portfolio We spent a career squirrelling away money for retirement, expecting our portfolios will be able to carry us thru our golden years. But are our expectations unreasonable? How long will our portfolios last? Is there a certain amount of portfolio income that is
Q&A: Should I wait until after the election to get back into the market? Question Hello Stephen,I am a recent federal retiree that panicked amid the last election outcome by moving my tsp to bonds. I am prepared to dip back into the market but am waiting for the election outcome.Is it wise to wait
When & How to Transition your portfolio for Retirement Your portfolio has a different job in retirement than it has pre-retirement. Pre-retirement, the job of your portfolio is to grow. In retirement, the job of your portfolio is to generate income (for most people). Because the job is different, the allocation of your portfolio will
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,
Stephen is an expert on the rules and processes of federal retirement, and also for wealth accumulation through the TSP program and strategies post-retirement. Referring to him as an expert financial advisor is an understatement. I have never encountered an individual with such an overabundace of retirement information. Stephen, ….You always get right down to
Will retirement make you depressed?I know we don’t like to think about the potential negatives of retirement, and that’s why you have people like me to nag you and set you on a good path.In my next webinar we’ll explore the practical steps needed to enjoy this next stage of your life. This is not
Facts: Unemployment decreased 0.2%, down to 3.8%. 4th Quarter GDP came in at 2.6%, according to the first estimate. PMI posted another month of expansion, with the index reading 54.2%. The S&P 500 (C Fund) gained 3.21% Assessment: 2.6% quarterly GDP is a bit weak. Slightly concerning. Unemployment decreasing is always a good sign. The S&P 500 is exploding, pacing for
Facts: Unemployment increased 0.1%, up to 4%. 3rd Quarter GDP came in at 3.4%, according to the final estimate. PMI, posted another month of expansion, with the index reading 56.6%. The S&P 500 (C Fund) gained 8% (in just 1 month!) Assessment: The S&P 500 had a tremendous bounce back, recovering all it’s losses from 2018.
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