Your TSP is one of the most powerful retirement tools available to federal employees, but only if you use it right. In this video, John walks through the do’s, don’ts, and hybrids that can make or break your TSP strategy over a federal career.
Here’s what we cover:
The Do’s
✅ Start saving early (even small amounts add up fast)
✅ Capture the full 5% government match
✅ Take appropriate risk for your stage of career
✅ Embrace market volatility as part of the long-term strategy
✅ Keep it simple with low-cost, broad-based funds
✅ Rebalance at least annually
✅ Use all five TSP funds
✅ Maintain a long-term focus
✅ Consider an IRA as a complementary tool
The Don’ts
✅ Don’t miss out on the free matching money
✅ Don’t excessively borrow from your TSP
✅ Don’t try to time the market
✅ Don’t chase what the “water cooler financial planners” are doing
✅ Don’t change your investment strategy based on news headlines or politics
✅ Don’t monitor your investments daily
Whether you’re early in your career or approaching retirement, this video gives you a straightforward framework for making the most of your TSP without overcomplicating it.
If you found this helpful, subscribe to the channel and check out the Federal Employee Financial Planning Podcast for more content built specifically for federal employees like you.
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And don’t miss the following videos on similar topics:
Don’t Close Your TSP – https://youtu.be/74VXxaziPz0?si=W2OQ_totdhfMUxcP
Don’t Max Your TSP – https://youtu.be/xS0xfecNBco?si=0vkhz4JhD5Poum2D
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📥 The Federal Employee’s Guide to Survivor Benefits: https://www.masonllc.net/federal-employee-guide-to-survivor-benefits/
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