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Q&A

Q&A from FedSmith authors addressing readers’ questions. We share them here to help you with your federal career or retirement planning.

Does the TSP’s Annual Contribution Limit Include the Agency Match?

FedSmith.com author John GrobeBy John GrobeUpdated: August 28, 2017 7:58 AM Categories Federal Employee Retirement, Q&A Leave a comment
Jar of coins with a plant growing out of it depicting savings growth

One of my co-workers said the $18,000 annual contribution limit to the TSP includes both his portion and the agency match. Is this a lost savings opportunity?

What Penalties Would I Face If I Retire at 62 With Less Than 20 Years of Service?

FedSmith.com author John GrobeBy John GrobeUpdated: August 23, 2017 3:59 PM Categories Federal Employee Pay News, Q&A Leave a comment

What penalties would I face if I retire at 62 years old but have less than 20 years in service?

I Took EPA’s Buyout Offer; When Should I Leave?

FedSmith.com author John GrobeBy John GrobeAugust 2, 2017 12:28 PM Categories Federal Employee Retirement, Q&A Leave a comment
Handshake of two businessmen

I took the EPA’s VERA/VSIP offer and am wondering when to set the effective date of my retirement.

Can I Be Considered a CSRS Re-Hire Under a Presidential Appointment?

FedSmith.com author John GrobeBy John GrobeUpdated: July 31, 2017 1:22 PM Categories Federal Employee Retirement, Q&A Leave a comment
Yellow road sign with the words 'welcome aboard'

Can I be considered as a CSRS re-hire? If so, how will my previous CSRS time affect any retirement benefits to which I would be entitled eight years from now?

Are CD’s a Good Retirement Investment Choice?

FedSmith.com author Randy SilveyBy Randy SilveyJuly 13, 2017 11:07 AM Categories Federal Employee Retirement, Q&A Leave a comment
Businessman's hand depositing a coin into a dollar sign shaped piggy bank surrounded by a pile of coins

Are CD’s (Certificates of Deposit) a good investment option when planning for retirement?

Will Working Longer Increase My Social Security Benefits?

FedSmith.com author John GrobeBy John GrobeJuly 12, 2017 5:22 PM Categories Federal Employee Pay News, Q&A Leave a comment
close-up of hand with pen and eyeglasses over social security benefits application form

Will working longer increase Social Security benefits? Here are some key points for federal retirees.

What Can Federal Employees Do to Prevent Proposed Cuts to Their Retirement Benefits?

FedSmith.com author Randy SilveyBy Randy SilveyJune 14, 2017 10:58 AM Categories Federal Employee Retirement, Q&A Leave a comment
Cartoon illustration of hands holding a sign reading 'benefits!' with a separate hand holding a megaphone depicting protest

I’m worried about recent proposed cuts to federal retirement benefits. Is there anything federal employees can do to prevent this from happening?

What Effect Will a TSP Loan Have on My Ability to Withdraw Funds After I Retire?

FedSmith.com author John GrobeBy John GrobeJune 8, 2017 1:08 PM Categories Federal Employee Retirement, Q&A Leave a comment
Piggy bank on top of a calculator

I will be retiring at the end of this year and I have a TSP loan. What effect will this have on my ability to withdraw funds from my TSP once I retire?

Should I Retire Now to Take the Supplemental Payment?

FedSmith.com author John GrobeBy John GrobeUpdated: June 8, 2017 2:53 PM Categories Federal Employee Retirement, Q&A Leave a comment
Woman thinking looking up towards words that say 'now' and 'later'

I meet requirements for immediate retirement from Federal service. One thing I don’t want to lose is the supplemental payment until 62. Should I retire now?

Can I Withdraw From My TSP to Purchase an Annuity?

FedSmith.com author John GrobeBy John GrobeUpdated: May 26, 2017 12:14 PM Categories Federal Employee Retirement, Q&A Leave a comment

Can I take a certain percentage out of my traditional TSP (all G fund) for two years, and then purchase an annuity?

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Daily TSP Rates

January 26, 2023

Fund Last % YTD
G Fund $17.2841 +0.01% +0.28%
F Fund $18.7937 -0.23% +3.22%
C Fund $62.3466 +1.11% +5.84%
S Fund $67.0875 +1.05% +9.03%
I Fund $36.9121 +0.11% +8.75%
L Income $23.3385 +0.18% +2.13%
L 2025 $11.7801 +0.28% +3.12%
L 2030 $40.8907 +0.44% +4.65%
L 2035 $12.1835 +0.48% +5.09%
L 2040 $45.7646 +0.52% +5.51%
L 2045 $12.4458 +0.56% +5.89%
L 2050 $27.0971 +0.60% +6.24%
L 2055 $13.1536 +0.74% +7.26%
L 2060 $13.1524 +0.74% +7.26%
L 2065 $13.1510 +0.74% +7.27%
Get detailed TSP data at TSPDataCenter.com

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