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Roth

Navigate the complexities of Roth accounts within the federal retirement system. This section provides expert insights into the Roth TSP, Roth IRA conversions, and tax-planning strategies tailored for the federal workforce. Learn how to leverage tax-free growth to hedge against future tax hikes, understand the nuances of TSP to Roth IRA transfers, and determine if a Roth conversion makes sense for your FERS or CSRS retirement strategy. Stay updated on contribution limits and the five-year rule to ensure your retirement income remains tax-efficient.

The 4 Most Common Roth Conversion Mistakes

FedSmith.com author Mel StubbsBy Mel StubbsAug 15, 2023 8:58 AM Categories Retirement Leave a comment

These are 4 mistakes to avoid when converting retirement funds to Roth.

More Retirement Income Through Catch-up Contributions for Highly Compensated Feds

FedSmith.com author Ralph R. SmithBy Ralph R. SmithAug 3, 2023 7:52 AM | Updated: Aug 28, 2023 9:39 AM Categories Retirement, Pay & Benefits Leave a comment
Illustration of bags and piles of money growing in size from left to right with a rising trend line arrow above them depicting growing savings/wealth for retirement

Federal employees making at least $145,000 may be able to accumulate more for their future retirement starting in 2024 via catch-up contributions to the TSP.

5 Reasons to Avoid Roth TSP and Conversions

FedSmith.com author Thiago GliegerBy Thiago GliegerJul 21, 2023 10:16 AM | Updated: Jul 28, 2023 10:15 AM Categories Retirement Leave a comment

These are situations in which federal employees may want to avoid utilizing the Roth TSP.

2024 Will Witness More Roth Account Activity in the Thrift Savings Plan

FedSmith.com author Francis Xavier (FX) BergmeisterBy Francis Xavier (FX) BergmeisterJul 19, 2023 1:57 PM Categories Retirement Leave a comment

Starting in 2024, catch-up contributions will have to be made in the Roth TSP for some federal employees.

Don’t Lose Momentum When It Comes to Saving for Retirement

FedSmith.com author Wes BattleBy Wes BattleJul 13, 2023 2:25 PM | Updated: Aug 8, 2023 6:36 PM Categories Retirement

Compounding interest combined with investing in the Roth TSP can combine for a winning retirement strategy.

Should Federal Employees Withdraw From Traditional or Roth TSP First in Retirement?

FedSmith.com author Dallen HawsBy Dallen HawsJun 9, 2023 9:28 AM Categories Retirement Leave a comment

Is it better to withdraw retirement money from the traditional or the Roth TSP? These are some considerations.

Avoid These Final Four Mistakes When Planning Your Federal Retirement

FedSmith.com author Jennifer MeyerBy Jennifer MeyerJun 6, 2023 1:05 PM Categories Retirement
Bird's nest with a golden egg in it labeled 'retirement' depicting retirement savings/retirement nest egg

These are four mistakes federal employees sometimes make that can negatively impact their retirement.

Diversify Your Tax Buckets

FedSmith.com author Mel StubbsBy Mel StubbsJun 2, 2023 10:24 AM | Updated: Aug 25, 2023 12:15 PM Categories Retirement Leave a comment

There are 4 primary “tax buckets” where you can have your money, and it’s best to spread your investments across all of them over time.

The Roth Account RMD Rules that Most People Don’t Know

FedSmith.com author Mel StubbsBy Mel StubbsMay 8, 2023 9:48 AM | Updated: Jun 2, 2023 9:59 AM Categories Retirement Leave a comment

Is it possible to have required minimum distributions (RMD) on a Roth account?

Massive Changes to RMDs: What Federal Retirees Need to Know

FedSmith.com author Thiago GliegerBy Thiago GliegerFeb 17, 2023 10:23 AM | Updated: May 15, 2023 12:29 PM Categories Retirement Leave a comment

The SECURE Act 2.0 made some important changes to required minimum distribution (RMD) rules that impact your retirement savings.

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Daily TSP Performance

April 10, 2026

Fund Last % YTD
G Fund $19.8154 +0.01% +1.16%
F Fund $20.9622 -0.12% +0.39%
C Fund $109.4304 -0.10% -0.08%
S Fund $103.1166 -0.39% +2.70%
I Fund $60.3073 +0.45% +8.68%
L Income $29.7669 +0.02% +1.79%
L 2030 $59.4657 +0.03% +2.35%
L 2035 $18.1407 +0.03% +2.61%
L 2040 $69.6327 +0.03% +2.72%
L 2045 $19.2855 +0.03% +2.82%
L 2050 $42.7658 +0.04% +2.92%
L 2055 $22.1381 +0.05% +3.31%
L 2060 $22.1355 +0.05% +3.31%
L 2065 $22.1327 +0.05% +3.31%
L 2070 $13.1177 +0.05% +3.31%
L 2075 $11.4584 +0.05% +3.31%
Get detailed TSP data at TSPDataCenter.com

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