Information below is compiled from a variety of resources that contain helpful tips, background,
data, etc. valuable in Pre-Retirement decisions. This is NOT a comprehensive list of resources
available, but rather a “starting point” for employees to become familiar with the complexities
of decisions related to retirement planning. Each link below will navigate you away from the
Houston FEB website.
Thrift Savings Plan (TSP):
TSP Website (Planning and Tools): Covers Investment Strategy, Calculators, Retirement Planning Phases, and Living in Retirement. Get the most out of your retirement savings by carefully developing a plan for your TSP account.
TSP Investment Funds link has information about all the fund choices and an explanation of the Lifecycle Funds. There is a Forms & Publications link at the top of the TSP home page that also provides a wealth of knowledge!
Quick reference to some of the publications most used:
Is the G Fund All There IS? Expense of Investing (video)
Roth TSP for Uniformed Members (video)
TSP also has over 30 videos posted on YouTube, if you prefer your information in this format, visit: www.youtube.com/tsp4gov
US Office of Personnel Management (OPM):
Check out the OPM website on Retirement Benefits:
Don’t forget to complete the Designation of Beneficiary Form Important: The filing of this form will completely cancel any Civil Service Retirement System Designation of Beneficiary you may have filed.
If you are a FERS employee, are you investing 5% every pay period? If not, you are leaving money on the table because you are missing out on the full agency matching contribution! What’s stopping you? https://www.tsp.gov/PDF/formspubs/tsplf26.pdf
Take FIVE for your future (YouTube video)- https://www.youtube.com/watch?v=V9fy7oE5Af8
Don’t forget to complete the Designation of Beneficiary Form for FERS employees
The TSP – Maximizing Your Benefits for a Secure Retirement (pdf) This pdf is from a Power point presentation created by Feds for Feds by the Fall 2013 Excellence in Government Fellows Program, Project Team Results R Us (Steven A. Jones Executive Coach) in collaboration with the Federal Retirement Thrift Investment Board and OPM.
Tools & Calculators covered in the presentation can help you understand the impact that many types of fees and expenses can have over time. It takes only minutes to compare the costs of different funds. For example, see links: http://apps.finra.org/fundanalyzer/1/fa.aspx Mutual Funds and Fees Calculator How much you should be saving for retirement? use the link below to estimate: http://www.choosetosave.org/ballpark
If you Choose to Invest Outside the TSP, Know who You’re Dealing With!
The Securities and Exchange Commission has an Investment Adviser Public Disclosure website: http://www.adviserinfo.sec.gov/IAPD/Content/IapdMain/iapd_SiteMap.aspx
You can learn more about brokers and their representatives through the FINRA webpage: www.finra.org/Investors/ToolsCalculators/BrokerCheck
For accredited designations of financial professionals, use the link: http://www.finra.org/Investors/ToolsCalculators/ProfessionalDesignations/ AccreditedDesignations/index.htm