Posts in Retirement Benefits
Pros & Cons of TSP Annuity

Is the (antiquated) TSP Annuity Appropriate for You?

An annuity, in the broadest terms, usually refers to an investment or program where the participants exchange a sum of money (contributions) for a guaranteed stream of income.  In general, programs like this look to mitigate longevity risk – or the risk that you will outlive your personal life savings.  Since no one knows exactly how long they are going to live, an annuity refers to a family of investments generally designed for individuals to pool their money together in order to collectively mitigate the risk of any individual participant outliving their own personal savings. 

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Glass Half Full

A Review of Your Federal Benefits After the (Proposed) Changes

There has been a maelstrom of gloomy articles referencing the proposed changes to federal retirement benefits published lately and, while it is critical that you stay informed, it is also important to remember how many benefits you will continue to have in even the most aggressive of the budget reduction proposals.  We cannot control what happens with the budget, but we can control how we interpret and respond to the hurdles it creates… Remember, as a federal employee, you are still offered some of the best benefits on the planet – even after 2018!

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