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You don't need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Retirement planning is not about avoiding risk—it's about managing it wisely to secure your future."Chapters0:00 - Introduction: Should You Use the G Fund or Lifecycle Funds? - Understanding TSP Growth as You Approach Retirement0:45 - Managing Risk with Larger TSP Balances - The Impact of Market Losses on Your TSP1:00 - G Fund Overview: Safety and StabilityTwitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/Subscribe and Stay Updated: Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call#RetirementPlanning #OpenSeason2024 #FEHB #FederalEmployees #HealthInsurance #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealth #InsuranceComparisonAdvisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Support the show
Psychologist and educator Fitzhugh Dodson wrote, “Without goals and plans to reach them, you are like a ship that has set sail with no destination.”Of course, goals don't amount to much unless you have a plan to reach them. That planning should involve more than building your net worth. Ron Anderson joins us today to discuss life planning— what is it, how to do it, and why you should.Ron Anderson is the Founder & President of Plan A Wealth Management in Lincoln, Nebraska.What Is Life Planning?Life planning goes beyond setting financial goals; it's about discovering and fulfilling your purpose. It involves asking yourself why you want to be financially successful and what you will do to accomplish your bigger goals in life. It's about making a difference and living out the reason God put you on this planet.The core of life planning is about introspection and alignment with God's purpose for your life. We were all created on purpose for a purpose, and life planning helps us ask the tough questions to design a life that truly matters. It ensures that your goals are in line with God's plan for you, helping you avoid the pitfall of pursuing the world's definition of success while missing out on the unique contribution you are meant to make.The Role of a Financial Planner in Life PlanningA financial planner can be instrumental in helping you navigate your life planning journey. They can assist in determining how much you need to live the life God is calling you to. This includes helping you set a reasonable lifestyle, preparing for God's nudges, and ensuring that you are ready to say "yes" when He calls. A planner can also help you clarify your goals, understand how major life events fit into your vision, and identify opportunities to make the most meaningful impact.Scripture provides a strong foundation for life planning. Ephesians 5:15-17 urges us to live wisely, making the most of every opportunity and understanding the will of the Lord:“Be very careful, then, how you live—not as unwise but as wise, making the most of every opportunity, because the days are evil. Therefore do not be foolish, but understand what the Lord's will is.”Ephesians 2:10 also reminds us that we are God's masterpiece, created to do the good things He planned for us long ago. This is why it's so vital to live purposefully and intentionally, aligning our lives with God's plans.If you're interested in exploring life planning further, you can visit PlanAWM.com, where you can schedule an appointment and speak with a member of their team.On Today's Program, Rob Answers Listener Questions:I've been contemplating leaving my assets from a soon-to-be-settled divorce to my children, who are in their 20s, and I'm just not sure I'm going to do that. All that said, I am very ill and have been around the world eight times trying to get well. The main question is, with Social Security Disability, how do income and assets affect Social Security Disability?I've had a life insurance policy for about 20 years, which will expire when I turn 76 unless I choose to pay a significantly higher premium at age 82. This means I have around five years left on it. I wanted to "cash it in," but when I contacted the company, they informed me that this is not possible with my term life policy. I came across a company called Coventry on TV, which seems to buy life insurance policies and provide cash in return. Can you explain how this works?I'm in my early to mid-70s and have a small to medium investment account. I have it securely invested in a G-Fund within my TSP. I'm curious about the market's future, especially since it's at an all-time high and has performed well this year. Given that it's an election year, and I haven't researched historical trends during such times, do you think the market will continue to rise? I'm considering converting a significant portion of my G-Fund to the C-Fund, which tracks the S&P 500. What is your outlook on the S&P 500 for the rest of the year?A few months ago, my mom passed away, and I was initially told I needed to go to probate court. At the courthouse, I was given a list of documents to bring, including the title to my mom's house and property. After reviewing these documents for a few minutes, the probate office informed me that I have a life estate, so probate isn't necessary, which contradicts their earlier statement. They mentioned it needed rights of survivorship, which it didn't have. I'm now confused about whether I need to go to probate or not.A few months ago, I heard about Social Security benefits for those in their 60s. I visited the Social Security office last week and asked why the surviving spouse seems penalized after a spouse's death. I feel like I'm losing my benefits despite working for them, as I can only take survivor benefits if my husband passes before me. The representative couldn't explain the reasoning. How can I advocate for a change to this rule, as its purpose is unclear to me?Resources Mentioned:Plan A Wealth ManagementRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
I am 8 years from retirement and currently invested 100% in the C fund. When should I start moving money to the G fund and should it be based on a percentage of my current balance, or should I base it on how many years of withdrawals I want to protect once fully retired i.e. 8-10 years. - Paul https://zurl.co/qyzS
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
In this episode we answer emails from Ed, Anderson and Joe. We discuss assisting aging parents running out of money, Anderson's levered accumulation portfolio and locating the assets, and using the G Fund in a TSP as a short-term bond fund.Links:Portfolio Matrix Used to Analyze Anderson's Portfolio (insert allocations per podcast): Portfolio Matrix – Portfolio ChartsMorningstar Article re G Fund: How Good Is the Federal Government's G Fund? | MorningstarSupport the show
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
The following is an encore presentation from 2023.God's Word contains dozens of verses about repaying debt, but usually from the perspective of owing it to others. Another example of this is Ecclesiastes 5:5. It reads, “It is better that you should not vow than that you should vow and not pay.”We have to dig a little deeper to discern God's will for us when someone owes us money, but one thing is very clear - the Lord expects us to act differently than the world.For one thing, if the one who owes you is a fellow believer, you should never sue to recover that money. Paul says this in no uncertain terms. In 1 Corinthians 6:6-7 he writes, “But brother goes to law against brother, and that before unbelievers? To have lawsuits at all with one another is already a defeat for you. Why not rather suffer wrong? Why not rather be defrauded?”Of course, this applies only if the person owing you money is a fellow believer. The Bible doesn't say that you can't sue someone outside the church. If you own a business, you may someday be forced to take someone to court for non-payment, simply to keep your business going.That's not to say you have no recourse within the church. If someone rightfully owes you money and doesn't pay, there's a four-step process for reconciling the issue.First is to put the matter into perspective. You shouldn't be surprised if another believer attempts to defraud you. Romans 3:23 reads, “For all have sinned and fall short of the glory of God.”With that in mind, consider how Jesus treated sinners, with kindness and patience. Avoid confrontation. A good way to do that is by praying for the one who owes you money. You might say to God: “Heavenly Father, I lift this person up to you and put this situation in your hands. Please give me wisdom. Please bless this person financially so they will never feel the need to borrow in the future. Your ways are not our ways. Please use this situation to give glory to You and guide my steps. Help me act as Christ would, showing mercy, that others might see and be drawn to you In Jesus' name, Amen.”The next step is to meet with the person who owes you money. In Matthew 18:15 Jesus says, “If your brother sins against you, go and tell him his fault, between you and him alone. If they listen to you, you have won them over.” That means keeping the matter private for now. Don't grouse about it to your spouse or friends and certainly not on social media.The idea is to show respect for the other person so their heart might be softened. The real goal is reconciliation. Getting what you're owed is secondary. Be willing from the outset to forgo payment if need be.If meeting privately with the person doesn't work, step three is to take other Christians with you for another meeting. Jesus goes on to say in verses 16 and 17: “If they will not listen, take one or two others along, so that “every matter may be established by the testimony of two or three witnesses.” If they still refuse to listen, tell it to the church; and if they refuse to listen even to the church, treat them as you would a pagan or a tax collector.Now, that seems pretty drastic, but we're entering the realm of church discipline. It's important to understand that this isn't to punish the individual, but to help him or her see the error of their ways, repent, and make good.If this person rightfully owes you money and refuses to pay, it's a sin and the Church needs to deal with it. Just as with adultery or any other type of public sin, the Church must exercise proper discipline or it ceases to honor God. If the offender refuses to repent, Jesus Himself says they should be treated as an unbeliever.And finally, step four. You must continue to show humility, respect and love for the offender. You must remember that you represent Christ and that you trust Him for the outcome.People are watching you. Think of the situation not as a win/lose proposition, but as an opportunity to express the love of Christ in a difficult situation. As believers, we should be better than the world at resolving conflict.Pray that the Holy Spirit will show His power through this process, that God's will should be accomplished through you, whether you're paid or not. Either way, you must forgive that person, as Christ has forgiven you.Mark 11:25 reads, “And whenever you stand praying, forgive, if you have anything against anyone, so that your Father also who is in heaven may forgive your trespasses.”Next, Rob answers these questions at 800-525-7000 or via email at askrob@FaithFi.com:Should you stay in a 40-60 stock to bond allocation if your IRA is down about 13% since the beginning of 2022, you are age 70 are now claiming your maximized Social Security benefit and therefore don't need to draw on your portfolio?Will there be a decline in housing prices over the next few years and how should you navigate a home purchase with an FHA loan?If you are age 70 and retiring this year, should you reallocate your $300,000 Thrift Savings Plan from the C and S Funds into the fixed rate G Fund if you won't need to rely on the account for income? (Rob referred the caller to faithfi.com and the Find a CKA link).Is it better to pay your Home Equity Line of Credit down monthly or to make additional payments every month now that the interest rate has increased?Remember, you can call in to ask your questions most days at (800) 525-7000. Also, visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach. Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
Insider #152: Tacto - Enter - G-Fund - Superangels - Choco Unsere Themen: Tacto - Enter - Comgy - Allmyhomes - G-Fund - Superangels - Choco - Rekki +++ Tacto steht vor Millionen-Investment durch Sequoia (und Index möchte auch noch investieren) #EXKLUSIV +++ Enter sammelt weitere 30 Millionen ein #EXKLUSIV +++ Comgy schlittert in die Insolvenz #ANALYSE +++ G-Fund landet bei 10 MIllionen #EXKLUSIV +++ Superangels stemmte bereits 12 Investments #ANALYSE +++ Monetarisierung von Choco bleibt eine Herausforderung #ANALYSE Unser Sponsor Die heutige Ausgabe wird präsentiert von CyberDirekt, der größten Vergleichsplattform für Cyber-Versicherungen in Deutschland. Jede Firma kann Opfer eines Hackerangriffs werden. Auch mit umfangreichem technischen Schutz besteht immer ein Restrisiko. Eine Cyber-Versicherung übernimmt z.B. die anfallenden Kosten, Haftungsrisiken und sogar das Lösegeld, wenn Eure Firma von einem Hackerangriff betroffen sein sollte. Darüber hinaus hat CyberDirekt seit diesem Jahr erfahrene IT-Forensik- und Krisenmanagement Experten an Bord, die bereits über 50 Einsätze bei betroffenen Unternehmen bewältigt haben. Die Experten von CyberDirekt legen sehr viel Wert darauf, praxisbezogene und umsetzbare Lösungen mit Euch zu erarbeiten. Wenn Ihr ein objektives Bild zum IT-Sicherheitsniveau Eurer Firma haben wollt, bietet CyberDirekt ein Cyber-Security Assessment zum Festpreis für jede Unternehmensgröße an. Es ist Zeit, Euch Gedanken über die Absicherung Eures Unternehmens gegen Cyber-Angriffe zu machen - ein extrem wichtiges Thema, was häufig hinten runter fällt. Auf www.cyberdirekt.de erhaltet Ihr einen Überblick über das Leistungsspektrum. CyberDirekt-Gründer Hanno Pingsmann könnt Ihr direkt über Linkedin erreichen oder Ihr schreibt eine Email an info@cyberdirekt.de Vor dem Mikro Alexander Hüsing, deutsche-startups.de - www.linkedin.com/in/alexander-huesing/ Sven Schmidt, Maschinensucher - www.linkedin.com/in/sven-schmidt-maschinensucher/ Hintergrund Der deutsche-startups.de-Podcast besteht aus den Formaten #Insider, #StartupRadar, #Interview und #Startup101. Mehr unter: www.deutsche-startups.de/tag/Podcast/ Anregungen bitte an podcast@deutsche-startups.de. Unseren anonymen Briefkasten findet ihr hier: www.deutsche-startups.de/stille-post/
This week's episode we will be discussing:- How Meager Are G-Fund's Returns?- Is the G Fund Really Pacing Inflation?- Should You Beware of Bond Funds?Click the subscribe button to stay up to date!Click here for a no charge 15 minute phone call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtubeWe love hearing from you! Email us with questions or ideas you'd like to have answered each week!Find us on Facebook!https://www.facebook.com/CDFinancialLLCOur Site:https://cdfinancial.org/CD Financial is a registered investment adviser. Lic #0G46793Investing involves risk, including the potential loss of principal. Any references to protection benefits generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Our firm is not affiliated with the U.S. government or any governmental agency.
For those considering moving their TSP investments to an IRA, here are mutual funds and ETFs that mirror the C Fund, S Fund, I Fund and F Fund of the Thrift Savings Plan. We also look at the G Fund, which doesn't have an alternative.Join the newsletter: https://robberger.com/newsletter/?utm...
“The wicked borrow and do not repay, but the righteous give generously.” Psalm 37:21. As Christians, we know that paying our debts is important. We serve a just and righteous God who hates dishonesty. But what if someone owes you money? What recourse do you have? Rob West discusses this in today's Faith and Finance.God's Word contains dozens of verses about repaying debt, but usually from the perspective of owing it to others. Another example of this is Ecclesiastes 5:5. It reads, “It is better that you should not vow than that you should vow and not pay.”We have to dig a little deeper to discern God's will for us when someone owes us money, but one thing is very clear - the Lord expects us to act differently than the world.For one thing, if the one who owes you is a fellow believer, you should never sue to recover that money. Paul says this in no uncertain terms. In 1 Corinthians 6:6-7 he writes, “But brother goes to law against brother, and that before unbelievers? To have lawsuits at all with one another is already a defeat for you. Why not rather suffer wrong? Why not rather be defrauded?”Of course, this applies only if the person owing you money is a fellow believer. The Bible doesn't say that you can't sue someone outside the church. If you own a business, you may someday be forced to take someone to court for non-payment, simply to keep your business going.That's not to say you have no recourse within the church. If someone rightfully owes you money and doesn't pay, there's a four-step process for reconciling the issue.First is to put the matter into perspective. You shouldn't be surprised if another believer attempts to defraud you. Romans 3:23 reads, “For all have sinned and fall short of the glory of God.”With that in mind, consider how Jesus treated sinners, with kindness and patience. Avoid confrontation. A good way to do that is by praying for the one who owes you money. You might say to God: “Heavenly Father, I lift this person up to you and put this situation in your hands. Please give me wisdom. Please bless this person financially so they will never feel the need to borrow in the future. Your ways are not our ways. Please use this situation to give glory to You and guide my steps. Help me act as Christ would, showing mercy, that others might see and be drawn to you In Jesus' name, Amen.”The next step is to meet with the person who owes you money. In Matthew 18:15 Jesus says, “If your brother sins against you, go and tell him his fault, between you and him alone. If they listen to you, you have won them over.” That means keeping the matter private for now. Don't grouse about it to your spouse or friends and certainly not on social media.The idea is to show respect for the other person so their heart might be softened. The real goal is reconciliation. Getting what you're owed is secondary. Be willing from the outset to forgo payment if need be.If meeting privately with the person doesn't work, step three is to take other Christians with you for another meeting. Jesus goes on to say in verses 16 and 17: “If they will not listen, take one or two others along, so that “every matter may be established by the testimony of two or three witnesses.” If they still refuse to listen, tell it to the church; and if they refuse to listen even to the church, treat them as you would a pagan or a tax collector.Now, that seems pretty drastic, but we're entering the realm of church discipline. It's important to understand that this isn't to punish the individual, but to help him or her see the error of their ways, repent, and make good.If this person rightfully owes you money and refuses to pay, it's a sin and the Church needs to deal with it. Just as with adultery or any other type of public sin, the Church must exercise proper discipline or it ceases to honor God. If the offender refuses to repent, Jesus Himself says they should be treated as an unbeliever.And finally, step four. You must continue to show humility, respect and love for the offender. You must remember that you represent Christ and that you trust Him for the outcome.People are watching you. Think of the situation not as a win/lose proposition, but as an opportunity to express the love of Christ in a difficult situation. As believers, we should be better than the world at resolving conflict.Pray that the Holy Spirit will show His power through this process, that God's will should be accomplished through you, whether you're paid or not. Either way, you must forgive that person, as Christ has forgiven you.Mark 11:25 reads, “And whenever you stand praying, forgive, if you have anything against anyone, so that your Father also who is in heaven may forgive your trespasses.”Next, Rob answers these questions at 800-525-7000 or via email at askrob@FaithFi.com:Should you stay in a 40-60 stock to bond allocation if your IRA is down about 13% since the beginning of 2022, you are age 70 are now claiming your maximized Social Security benefit and therefore don't need to draw on your portfolio?Will there be a decline in housing prices over the next few years and how should you navigate a home purchase with an FHA loan?If you are age 70 and retiring this year, should you reallocate your $300,000 Thrift Savings Plan from the C and S Funds into the fixed rate G Fund if you won't need to rely on the account for income? (Rob referred the caller to faithfi.com and the Find a CKA link).Is it better to pay your Home Equity Line of Credit down monthly or to make additional payments every month now that the interest rate has increased?Be sure to check out the rest of FaithFi.com to access our books and our many free helpful resources. You can also find us on Facebook Faith and Finance (Live) and join the conversation. Thanks for your prayerful and financial support that helps keep Faith and Finance (Live) on the air. And if you'd like to help, just click the Give button.
People over age 65 have opportunities to save on their healthcare costs with health-sharing ministries. In today's Faith and Finance, Rob West explores those options with Lauren Gajdek, Vice-President of Communications and Media at Christian Healthcare Ministries.Lauren - 1 in 10 adults owe some kind of medical debt. At Christian Healthcare Ministries we want to create a different reality for people, making sure they don't live with medical debt.Rob - It's worse for seniors, isn't it?Lauren Absolutely. As we age medical bills tend to go up. Medicare doesn't cover 100% of your costs.Rob - If you're already a member, continuing in a Christian Healthcare Ministries plan is easy, isn't it?Lauren - Yes, at age 65 if you're already a member of CHM you can stay on without interruption. And others can jump on board.Rob - What is Senior Share?Lauren - It isn't health insurance, but is instead a cost-reduction program. Our Gold program for people over 65 is only $115 a month.Rob - How can people get information about this?Lauren - They can go to chministries.org or call us.Rob - This is a great option and a biblical option for anyone looking to cope with the rising costs of healthcare, isn't it?Lauren - Absolutely. We are biblically based.Rob - For those who want to go on Senior Share, do they have to have Medicare A and B in order to do so?Lauren - Correct. Medicare is considered the first payer and CHM is then available to help with the additional costs that Medicare wouldn't pay.Next, Rob answers these questions at 800-525-7000 or via email at askrob@FaithFi.com:Testimony from caller: He listened to the program several years ago and previously had no idea it was biblical to be debt-free. He paid off house, has an emergency fund, and have just retired.What are better options for your government retirement Thrift Savings Plan which you put in the G Fund last year and it is only earning a low fixed interest rate, if you are newly retired but don't need to draw on the funds?Will you owe taxes on the sale of a home you inherited last year from your father if he left no will and his estate is going through probate?Is it the law that you can't received Social Security benefits from the records of two husbands, if you were twice widowed after having been married for 14 years both times?What is the best vehicle to make the most of your grandson's Social Security survivor's benefits that you are setting aside for his college or future expenses?If you have a payment plan with the IRS can they garnish funds out of your bank account?Be sure to check out the rest of FaithFi.com to access our books and our many free helpful resources. You can also find us on Facebook Faith and Finance (Live) and join the conversation. Thanks for your prayerful and financial support that helps keep Faith and Finance (Live) on the air. And if you'd like to help, just click the Give button.
In this week's episode we will be discussing:- G-Fund, Promises & Pitfalls- FIA, What Does This Mean?- Is It Possible to Create the Income You're Looking For?Find us on Facebook!https://www.facebook.com/CDFinancialLLCOur Site:https://cdfinancial.org/CD Financial is a registered investment adviser. Lic #0G46793Investing involves risk, including the potential loss of principal. Any references to protection benefits generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Our firm is not affiliated with the U.S. government or any governmental agency.
“If what is meaningful and important to me takes me off track - then it probably wasn't my track anyway.” Anne Sempowski Ward is CEO & Board Director at CURiO Brands, a consumer goods company that manufactures and sells personal care and home fragrance products. Prior to CURiO Brands, Anne served as CEO at Thymes from 2012 to 2016 when it merged with DPM Fragrance to become CURiO Brands. Anne was previously CEO and Co-founder of consulting firm The FORWARD Group, focused on growth strategies for mid-sized companies and key executives. Anne was also President and COO of Ebony, Jet & Fashion Fair Cosmetics, Johnson Publishing Company. Ann also served as Assistant Vice President of African-American Marketing for the Coca-Cola Company, and she got her start at P&G, where she rose through the ranks from plant engineer in FemCare to Associate Marketing Director in P&G Beauty integrating Clairol, helping reinvigorate brands like Herbal Essences and scaling multicultural marketing. An active member of civic and business communities, Anne has been recognized as a YMCA Black Achiever, YWCA Rising Star, Top Black Executive in a Major Corporation as well as a Woman at the Top by EBONY magazine. She was also the youngest and first African-American trustee on the P&G Fund. Anne is a Detroit native and received her Bachelor of Science degree in Mechanical Engineering and Materials Science from Duke University. She also earned a Global MBA degree from Duke University's School of Business. You'll enjoy this candid conversation about finding your voice, evolving one's communication style for effective leadership and taking people on a journey with you.
In this week's episode we will be discussing:- Income Is Like A House - What Do We Mean By That?- What Are The Pros & Cons to the G-Fund?- Why Is a Written Retirement Income Plan Essential?Find us on Facebook!https://www.facebook.com/CDFinancialLLCOur Site:https://cdfinancial.org/CD Financial is a registered investment adviser. Lic #0G46793Investing involves risk, including the potential loss of principal. Any references to protection benefits generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Our firm is not affiliated with the U.S. government or any governmental agency.
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
Federal government employees, including members of the armed forces, have access to a tax-deferred retirement and investment vehicle called the Thrift Savings Plan (TSP). If you're not using it in the right ways, it can be costly for you. Like a good education, it only helps if you use it. This episode shares five common mistakes people make with their TSP—costly mistakes that you could be making right now. If you or your loved ones have a TSP or are in service of the federal government, listen to this entire show as we expose the risks of the G Fund and more and how to fix them. Plus, catch the weekly market report where The Sandman discusses if inflation is cooling and if better times are ahead for the 60-40 portfolio, which was down 21% last month—losses we haven't seen since 2008. You can send your questions to questions@pyaradio.com for a chance to be answered on the air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/?month=2022-11 See omnystudio.com/listener for privacy information.
Federal government employees, including members of the armed forces, have access to a tax-deferred retirement and investment vehicle called the Thrift Savings Plan (TSP). If you're not using it in the right ways, it can be costly for you. Like a good education, it only helps if you use it. This episode shares five common mistakes people make with their TSP—costly mistakes that you could be making right now. If you or your loved ones have a TSP or are in service of the federal government, listen to this entire show as we expose the risks of the G Fund and more and how to fix them. Plus, catch the weekly market report where The Sandman discusses if inflation is cooling and if better times are ahead for the 60-40 portfolio, which was down 21% last month—losses we haven't seen since 2008. You can send your questions to questions@pyaradio.com for a chance to be answered on the air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/?month=2022-11 See omnystudio.com/listener for privacy information.
This week's episode addresses the do's and don'ts of what to do during a market downturn:- Running to the G-Fund, Is That My Best Option?- Moderation Is Key, Why?- Written Retirement Income Plan, How Does This Help Me?To schedule a phone consultation with our office, click the link below:https://calendly.com/charlesdzama/sm_15mintc Check us out on social media!Facebook: https://www.facebook.com/CDFinancialLLCInstagram: https://www.instagram.com/cdfinancial.llc/Twitter: https://twitter.com/CDFinancial_LLCLinkedIn: https://www.linkedin.com/company/cd-financial-llc/CD Financial is a registered investment adviser. Lic #0G46793Investing involves risk, including the potential loss of principal. Any references to protection benefits generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Our firm is not affiliated with the U.S. government or any governmental agency.
I've spoken with multiple women making the same mistake with their TSP plans (a Thrift Savings Plan (TSP) is the government's version of a 401k). Why? Because people are scared about the economy and inflation. People make their decisions based on emotion in times of uncertainty. So in this episode of the Retirement Made Easy Podcast, I'll share what this mistake is and why I think it's a mistake. I'll let you decide what to do with the information. Don't miss it! > You will want to hear this episode if you are interested in... [1:57] History doesn't repeat itself—but it often rhymes [4:35] Check out RetirementMadeEasyPodcast.com! [5:49] The dangers of a fixed pension without a COLA [9:03] Dissecting the Government Securities Fund [15:23] Walking through the different pension options [19:18] Retirement planning is about making smart choices The dangers of a fixed pension without a cost-of-living adjustment One of the top three risks to everyone's retirement is the rising cost of living. The cost of living rises on average by 2.9% per year (calculated over the last 30 years). If you lived on $50,000 30 years ago, you're being squeezed today. A fixed pension without a cost of living adjustment is like working at a job for 30 years and never getting a raise. If you have a fixed income in a world where costs rise every year, your purchasing power declines every year. Sadly, most corporate and private pensions do not have cost of living adjustments. But the beauty of government pensions is that there is a cost of living adjustment associated with them. Investment options in a TSP I spoke with three women that are going to retire with a government pension (TSP plan). They're concerned about the economy and their TSP shrinking. So all three had their money invested in the Government Securities Fund (a mutual fund within the TSP plan, abbreviated as G Fund). Now, TSP plans have 15 available investment options. The G fund is the most conservative of the options and is invested in short-term government securities. It's also the second most popular fund, with 210 billion dollars in it. There's only $800 billion in the entire TSP program. $210 billion is 26% of the entire TSP plan assets. The worst part is that the 10-year average return is 1.98%. In the last three years, the fund has averaged 1.51% per year. What's the big deal? The rising cost of living. If your money is only growing by 1.5% per year, it will not keep up with the cost of living. Inflation was at 9.1% in June. Long-term, inflation averages to be between 3–4% per year. A 1.98% return is not keeping up with inflation. If you put $100 in the G fund in 1987, it would be $503 today. You made a $403 profit. Not bad, right? But the Common Stock Fund—or C fund—came out in 1988. $100 in the C fund would be worth $3,370 today. That's a profit of $3,270. Which one would you rather have your money in? Walking through the different pension options All three of the women I spoke with have a government pension with a cost-of-living adjustment. They can choose between a single-life option, a 10-year certain, or a survivorship benefit for the husband. With each of these women, the husband is older and in poorer health. Because American women outlive men by 5–6 years, the survivorship benefit doesn't make sense in this case. Let's say the single-life option is $2,000 a month. If the women take the 100% survivor option—which would pay out to the surviving spouse if they died—the spouse would get $1,600 a month. But the extra $400 a month can amount to a wide margin of retirement lifetime income. What could they do? A 15-year life insurance option may make sense. If one of the women dies, the pension may stop, but the spouse would have a tax-free benefit from the life insurance. The premium for the life insurance would still allow them to net $1,900 a month—far better than $1,600 a month. The bottom line? You have to maximize the lifetime income potential of the pension. I discuss all of this in detail in this episode of Retirement Made Easy. Don't miss it! Resources & People Mentioned 3 Steps to Retirement Planning Schedule a 30-minute phone consultation! Connect With Gregg Gonzalez Email at: Gregg@RetireSTL.com Podcast: https://RetirementMadeEasyPodcast.com Website: https://StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made EasyOn Apple Podcasts, Spotify, Google Podcasts
The G Fund is now the biggest amongst the five core Thrift Saving Funds funds. The fund has more than $200 billion invested in it. That's a big deal, but what does that mean for TSP investors? Dallen Haws is a financial planner and host of the Haws Federal Advisors YouTube channel and podcast. He is also the author of the book Building Wealth in The TSP: Your Road Map to Financial Freedom as a FERS Employee. As part of our #MoneyMonday series, he joined the podcast to talk about the G Fund and what TSP investors need to know about it. *** Follow GovExec on Twitter! https://twitter.com/govexec
TSP Investment Strategy for Retirement: https://hawsfederaladvisors.com/tsp-investment-strategy-for-retirement/ Free Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://hawsfederaladvisors.com/free-tsp-book/ Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ TSP Cheat Sheet https://hawsfederaladvisors.com/tsp-cheat-sheet-landing-page/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
TSP Investment Strategy for Retirement: https://hawsfederaladvisors.com/tsp-investment-strategy-for-retirement/ Free Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://hawsfederaladvisors.com/free-tsp-book/ Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ TSP Cheat Sheet https://hawsfederaladvisors.com/tsp-cheat-sheet-landing-page/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
If you are working, retired, building a nest egg or living off one, these are tough emotional times. If you want good news, you've learned to avoid the financial news or stock market reports. Also national news, international news and, if you are a baseball fan in certain cities like Washington, D.C., you avoid the sporting news, too. Hopefully you have a good cable package and a personality that lets you sort and live with the good news vs. the not-so-good-news. Which is the purpose of today's Your Turn radio show: It's a double-header on the good, the bad and the ugly. We are going to try to cover the waterfront. First up, financial advisor Arthur Stein will talk about the future course of your TSP account, and the pros and cons of investing heavily in the never-has-a-bad-day G fund. Many consider it the “safest” investment. But that begs the question: How do you define “safe” when building a retirement nest egg? Federal News Network reporter Drew Friedman will talk about the very latest on the federal pay raise. Then we'll get into the prospects for a large retiree COLA. Last, but definitely not least, the issues TSP investors are having with the new system.
Free Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://hawsfederaladvisors.com/free-tsp-book/ Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ TSP Cheat Sheet https://hawsfederaladvisors.com/tsp-cheat-sheet-landing-page/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
Free Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://hawsfederaladvisors.com/free-tsp-book/ Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ TSP Cheat Sheet https://hawsfederaladvisors.com/tsp-cheat-sheet-landing-page/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
Elizabeth Inman discusses how to build your confidence that you are on the right track in building your retirement. How will inflation impact your money if all of your investments are in the G Fund? Feel free to contact us: Toll Free: (833) 693-3388 or Direct: (918) 396-5171 Elizabeth@FEBCnow.com http://www.febcnow.com
Insider #118: Klara - ChefCoco - Comtravo - SumUp - Finn - FinMid - Hivebuy - askui - Micropsi - G-Fund Die Themen: Klara - Christophe Maire - ChefCoco - Comtravo - SumUp - Finn - FinMid - Hivebuy - askui - Micropsi - G-Fund +++ ModMed zahlt 100 Millionen für Klara #EXKLUSIV +++ Die unschönen Investmentdeals von Christophe Maire #ANALYSE +++ FoodLabs und Berliner Angel-Mafia investieren in ChefCoco #EXKLUSIV +++ TripActions zahlt 60 Millionen für Comtravo #EXKLUSIV +++ SumUp peilt Bewertung von 22 Milliarden an #ANALYSE +++ Finn steht vor 50 Millionen Investmentrunde #EXKLUSIV +++ Blossom Capital investiert 11 Millionen in FinMid #EXKLUSIV +++ Cusp Capital investiert 1,5 Millionen in Hivebuy #EXKLUSIV +++ 468 Capital und LEA Partners investieren in askui #EXKLUSIV +++ Metaplanet, Ahren und Vsquared Ventures investieren in Micropsi #EXKLUSIV +++ Konstantin Urban und Christof Wahl starten G-Fund #EXKLUSIV Unser Sponsor Die heutige Ausgabe wird präsentiert von CAYA. Die regelmäßigen Hörer*innen erinnern sich sicherlich: Das sind die Kollegen, die eure Briefpost digitalisieren. Inzwischen hat sich aber etwas getan und die CAYA Document Cloud ist ein vollwertiges Dokumenten Management System. Postdigitalisierung und Dokumentenmanagement aus einer Hand sozusagen. So funktioniert's: Mit dem digitalen Posteingang von CAYA könnt ihr eure Post online empfangen. Dafür leitet CAYA eure Post um – bevor diese überhaupt bei euch im Unternehmen eintrifft – und scannt sie tagesaktuell ein. In der CAYA Document Cloud könnt ihr dann alle eure Dokumente online organisieren und bearbeiten. So könnt ihr zum Beispiel eingehende Dokumente ganz einfach im Unternehmen verteilen, Rechnungen bezahlen oder Formulare ausfüllen und unterschreiben. Alles direkt aus der CAYA Plattform heraus. Inzwischen vertrauen Branchengrößen wie z.B. FinCompare, Zolar, Enpal, McMakler, Zendesk und Getir auf den Service von CAYA. Der Grund, warum ich euch das erzähle? CAYA bietet mit “CAYA für Start-Ups” jetzt ein Programm für Startups an. Als Startup erhaltet ihr so bis zu 50 % Rabatt auf alle Tarife bei CAYA. Damit gibt's jetzt wirklich keine Ausreden mehr, schaut euch das Ganze mal genauer an! Alle Infos findet ihr unter www.getcaya.com/startups. Oder ihr googelt einfach mal nach “CAYA für Start-ups” – C A Y A – für Startups. Vor dem Mikro Alexander Hüsing, deutsche-startups.de - www.linkedin.com/in/alexander-huesing/ & www.twitter.com/azrael74 Sven Schmidt, Maschinensucher - www.linkedin.com/in/sven-schmidt-maschinensucher/ Hintergrund Der deutsche-startups.de-Podcast besteht aus den Formaten #Insider, #News, #StartupRadar und #Interview. Mehr unter: www.deutsche-startups.de/tag/Podcast/ Anregungen bitte an podcast@deutsche-startups.de. Unseren anonymen Briefkasten findet ihr hier: www.deutsche-startups.de/stille-post/
In this episode we answer emails from Mark B, Matt, Kevin, Arun and Danny. We discuss GBTC, my idiosyncrasies, the G-Fund in the TSP, SWAN and More Cowbell, the mechanics of using a risk-parity portfolio for intermediate accumulation, a 3 liter bottle of Chianti, and the limitations of the data set in portfolio visualizer. And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio and zero in on the diversification benefits of the Risk Parity Ultimate portfolio.Additional Links:TSP G-Fund: G Fund composition | Thrift Savings Plan (tsp.gov)Episode 123 re additional SWAN analysis: Podcast #123 | Risk Parity RadioPortfolio Charts Article About March 2020 Portfolio Performances: Asset Allocation in the Most Painful Month – Portfolio ChartsSupport the show (https://www.riskparityradio.com/support)
Today's content comes directly from Brian O'Neill's recent blog post Top 10 TSP Quirks You Need to Know. Brian is a fellow Military Financial Advisor Association member , former Air Force fighter pilot, and Certified Financial Planner who writes a great weekly blog with a fighter pilot twist. Thanks, Brian.If you've ever compared the Thrift Savings Plan (TSP) to a civilian 401(k), you probably noticed the TSP has quite a few quirks:1. Minimum balance: As long as you leave at least $200 in your TSP when you seperate from service, you can keep your TSP account open. This is great because you never know when a change in employment or the tax law will make it advantageous to roll money into the TSP. 2. Accepts rollovers: Except for a Roth IRA dollars, you can roll a Traditional IRA, and most other employer plan (e.g., 401(k)) funds into the TSP. This can be great for simplifying your roster of retirement accounts.3. Three Withdrawal options after separation: Fixed or life-expectancy-based installment payments. For installments of less than 10 years, you can rollover the distributions to an IRA. Single withdrawal: The minimum is $1,000 and you can only do one every 30 days. Purchase an annuity. This locks in a fixed stream of payments for life, but you forfeit any right to leave the annuity balance to your heirs. 4. Roth or Traditional withdrawals: You can choose Roth, Traditional or pro-rata withdrawals. If you have contributions from a combat zone, your contribution is not taxable but the earnings are. Withdrawals from your Traditional balance will always be pro-rata from pre-tax and after-tax dollars. 5. Processing delays. Along with the military and civil service human resource bureaucracy delays, the TSP can be pretty slow processing any request. Plan ahead, it's not an ATM.6. Spouse rights. If you choose to receive your TSP as a separately-purchased annuity, your spouse will need to consent to anything other than a 50% survivorship feature.7. Death Treatment: Your balance will go to your beneficiaries on file with TSP, and NOT according to your will. And you must use form TSP-3 to change the d default beneficiaries. A surviviing spouse's TSP account is automatically invested in an age-determined Lifecycle Fund. A non-spouse beneficiary can't keep the TSP account and will need to receive the funds in an Inherited IRA. If your beneficiary then dies, the TSP will pay the balance directly to that beneficiary's beneficiary allot once, potentially creating a “tax bomb.” If you inherit a TSP account, roll it to an Inherited IRA so a successor beneficiary keeps the tax-advantaged status.8. The G-Fund. The G-Fund invests in special government bonds that its guaranteed to never lose principal value. But the G-Fund is usually the lowest performer of the 5 core TSP funds. It can make sense as part of a portfolio, but usually is NOT all.9. Withdrawals are pro-rata from all funds. You can't take a distribution from only the G-Fund or C-Fund, for example. A withdrawal is pro-rata across all them. For a work around after your withdrawal comes out, log into TSP and rebalance your funds to the allocation you want to keep. 10. Roth RMDs. A Roth IRA does not have a Required Minimum Distribution (RMD). Traditional IRAs, 401(k)s, and the both Roth and Traditional TSP all require you to start taking RMD every year starting age 72. Evaluate moving of Roth TSP dollars into a Roth IRA prior to 72.
Join Jeff Roediger and Financial Adviser Larry Prascus as we address these important questions...How does this impact TSP Participants?Can they withdrawal funds?Can they move assets from G Fund to other sub accounts?Listen in as Larry addresses these questions and more... Also, go to www.fedresource.com and Download a complimentary Federal Employee Retirement Workbook.
When you buy a bond you are make a loan and they have to pay you back with interest. Companies as well as local, state, and federal governments issue bonds you can buy as an investment. Most bonds have a face value of $1,000, and a set interest rate they will pay for a fixed period of time. A bond with 4% interest that will mature (expire) in 10 years will pay you 4% interest, usually two times a year, for 10 years and then you get your initial $1,000 back. The interest payments are predictable and can be a steady source of income. Because of this they are generally considered less risky than stocks. Some government bonds don't pay you the interest as you go along, but pay it all at the end. They are called a zero-coupon bonds and are issued for less than their face value. Some bonds pay more interest than others. Like during COVID when overall interest rates are very low. Another key factor is how credit worthy is the issuer. The federal government is considered the most credit worthy. So they can pay lower interest rates on their bonds. A company that is struggling financially would have to pay the highest interest rates. Those bonds are typically called high yield or junk bonds. Lastly, bonds that are issued with a short maturity like 3 years will offer lower interest rates than bonds with a long maturity like 30-year. You can buy federal government bonds directly from the government. And like stocks,you can buy individual bonds through exchanges, that is the market. But buying individual bonds to build a portfolio can be pretty complex. Part of the complexity is that a $1,000 almost always sells for a higher or lower price in the market where prices are based on supply and demand. Most individual investors get into bonds through a mutual fund or exchange traded fund (ETF). The funds buy many bonds to diversify and you own a slice of all that when you invest in the bond fund. For our military and federal employees, you can invest in bonds through the Thrift Savings Plan. TSP offers two bond funds the F fund and the G Fund. The F Fund invests in a wide range investment grade (no junk bonds), US government and corporate bonds. The G Fund is unique. It invests in only US Government issued securities that are only available to TSP. It is guaranteed not to lose money and in that way is extremely safe. However, because it is so safe the interest the G Fund pays is also low and may not keep up with inflation. I already mentioned the steady, predictable income that bond interest can provide. This may be especially useful when retire and could use the cash for regular expenses. Also bond prices tend to less volatile than stocks. So when stocks drop, bond usually values drop less or even increase some. This is really good if you will need to cash in some of your investments at a particular time, like for a home down payment, college tuition, or upcoming transition out of the military. Most likely your bond investments won't grow as much as your stock investments, overall. But they are much less likely to plummet in value right before you need it.In general, stocks are king when you can leave the money there and let it grow. If you're retirement that is still 30 years off, you may be in all stocks. Will you need to cash from your investment in a few years for a big purchase or for living expenses? Bonds are a steadier, safer bet. Just don't expect a lot of growth. If you fall in between,mix of stocks and bonds may be ideal for you. Does a mix sound hard? You can invest in a TSP Lifecycle Fund or other target date fund. You choose a year you will need he money. The fund will automatically invest for you and gradually shift from stocks to bonds as you get closer. Would like my help with your unique situation? Reach me at moneypilotadivosr.com
Inflation makes things you buy cost more. That dollar buys you less than it did before. Of course, if your income grows as fast as inflation, you won’t feel the pinch. Our active duty military and federal employees get yearly adjustments to your pay based on the Consumer Price Index (CPI) which is one way of measuring inflation. This really helps the buying power of your paycheck keep up with rising prices or inflation. However, most of our other listeners don’t receive automatic boosts to their pay check. Eventually pay often catches up, but you’ll feel that lag where your pay doesn’t buy what it used to. Inflation can hit retirees especially hard. Traditional pensions from companies are often set when you retire, and remain the same amount the rest of your life. If you enjoy a long life, that set monthly payment will cover less and less of your daily needs as time goes on. When military retire from active duty you continue to get yearly Cost of Living Adjustments (COLA). This is HUGE because most military retire in your 40s and 50s and odds are you will live another 40 years or more. You CSRS federal employees will also get yearly automatic COLA . Unfortunately, FERS employees get what I call diet-COLA. With diet COLA you get a full COLA for inflation up to 2%. When inflation for the year is between 2 and 3%, you COLA is fixed at lower 2%. For years where inflation is 3% or higher you receive the CPI minus 1%. So if inflation is 3.5% your COLA would be 2.5% that year. This isn’t horrible, but you will see a gradual erosion of your retirement pay buying power over time. So what to do? Try to continue to increase you pay faster than inflation while you are still working. If you are covered under a pension, this will help you receive a higher pension when you retire. Higher pay will give you more opportunity to save and invest for retirement. Also invest your long-term savings in a way that will grow faster than inflation, increasing you future buying power. The G Fund which is an investment option available to military and federal employees in their Thrift Savings Plan, which is like a workplace 401k. The G fund is guaranteed not to lose money and is considered the “safest” place to invest your TSP dollars. Your 401k plan may have a similar short-term government bond option. But calling them safe doesn’t really tell the whole story. You won’t lose money, but it is not guaranteed to keep up with inflation And the power of those savings may not keep up with rising costs of what retirees spend on, especially healthcare and medicine. Taking some calculated risk in hopes of being rewarded with more growth over time can help. That means investing at least some of you retirement funds in stocks and/or bonds issued by companies. These investments are more risky. Their value swings much higher, and lower than those “safe” investments. If you have to cash out when the market is down , you can lose money. But saving money in a well-diversified selection of investments can help smooth the roller coaster a little and in the long run has a higher probably of beating inflation and maintaining your buying power down the road. Alright at the beginning of the podcast I mentioned that inflation can be both good and bad. If you have a long term loan, like a mortgage and there s inflation, the dollars you pay the loan back with in later years are worth less than the dollar in you pocket now. Your lender feels the inflation pinch instead of you. This can be a double benefit of refinancing your mortgage when interest rates are very low, like they are right now. Inflation is also very low right now. But with a fixed rate mortgage, the interest rate you pay on the loan will stay that low rate. But inflation is not fixed. If inflation raises during the life of your loan, which could be decades, you will be paying it back with cheaper dollars.
"While in the service, you are pawns of the government. We serve our nation against enemies foreign and domestic...when you decide to exit the military, either transition out or retire- the military is DONE with you." In this episode we cover bad debt and how to pay off debt along with the Blended Retirement System match. -Pay off debt using Debt Snowball (smallest to largest) - Each car should not be more than 25% of your yearly income or no more than 3 months of pay - If in Blended Retirement System, turn on your 5% match. - Contribute into ROTH TSP 70% C Fund/20% S Fund/10% I Fund within your TSP - Stay out of G Fund and Lifecycle Funds Connect with me: www.instagram.com/leadingwithcents www.instagram.com/timmemak
Suze Orman's Women & Money (And Everyone Smart Enough To Listen)
On this edition of Ask Suze (and KT) Anything, Suze answers questions from Women & Money listeners Karen, Liam, Gigi, Gayle, Iona and Davida selected and read by KT. This week’s questions: I have no debt and haven’t had or needed credit cards in years. How can I get a home loan? We want to put our retirement account into our Revocable Trust. Is a ROTH IRA a good option? Should I stay in a Lifestyle 2040 fund or in a G Fund? How can I repair my FICO score, while I am rebuilding after losing everything? Should I sell the mobile home I own and rent out? How much can one contribute to all one’s retirement accounts, in a year? Do you think ROTHs are a good idea for the future? Will the government change them? This week’s Quizzie (submitted by Amanda): Would it be better if I paid off my wedding loan or build up my emergency fund, with money from an inheritance? Take advantage of the Ultimate Opportunity Savings Account with Alliant Credit Union by clicking here! Join Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on her podcast! To ask Suze a question, download by following one of these links: CLICK HERE FOR APPLE CLICK HERE FOR GOOGLE PLAY See omnystudio.com/listener for privacy information.
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Would you invest long term in a retirement instrument where the rate of return goes down every year for decades? You probably already do. That’s the case with the Thrift Savings Plan’s G fund, favored by many federal investors as a bulwark against volatility. Over the past 30 years, it’s delivered steadily declining rates of return. Federal News Network's David Thornton looked into the G Fund and joined Federal Drive with Tom Temin for more on what he found.
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Since the TSP Modernization Act went into force in September of last year, there are a number of new withdrawal options from your TSP. Before this, the TSP was miles behind comparable retirement accounts on the private side in terms of flexibility. While the act isn't perfect, it is one of the first steps needed to get the TSP up to speed. Withdrawal Options There are basically three different options when it comes to pulling money out of your TSP. You can basically use them in whatever combination you'd like. TSP Installment Payments- This is where you tell the TSP how much to pay you on a monthly, quarterly, or annual basis. You can also ask them to pay you a monthly amount based on your life expectancy. Although there is no guarantee, the idea is that it will spread out your TSP balance over your entire retirement. You would be able to change the amount anytime or even stop payments if desired. Single Withdrawals- With this option you can request a one-time distribution from your TSP. However, there is a minimum of $1,000 and you can only do this type of withdrawal every 30 days. You could even withdraw your entire account balance if you want. Annuity- With this option you would give your TSP balance or at least a portion of it, to an annuity provider (Metlife has the current contract to provide these to federal retirees if desired). They would guarantee you a fixed income for a certain amount of time. You can also tell Metlife that you want a payment for the rest of your life and the amount of your payment will be set based on your life expectancy. The major downside of this option is the limited flexibility and reversibility. Once you make this decision, it is very difficult to get access to your money other than what they pay you every month. This option offers incredible security but no flexibility. Traditional and Roth One perk that federal employees now enjoy because of the TSP Modernization Act is that they have more control over where their withdrawals come from. For example, before you had to take money out of your traditional TSP and Roth TSP proportionally. Now, you can choose which one you'd like to take your funds out of based on your tax situation in the current year. For example, in a year where you might have higher taxable income, it might make sense to draw only from the Roth side in efforts to stop yourself from bumping up to a higher tax bracket. RMD's One thing that is very important to remember is that at age 72, required minimum distributions (RMD's) are required for both the Roth and the traditional TSP. This basically means that you have to take out a certain percentage of your account balance every year after age 72. Because the TSP has many tax advantages, the government wants to make sure that you don't avoid taxes completely by requiring that you start taking money out. The TSP's Remaining Pitfall While the TSP is not perfect, it does a lot of things really well and serves as a great wealth accumulation tool throughout someone's career. One of the major downsides however is the fact that you cannot decide which funds you withdraw money out of. Whenever you make a withdrawal, the money comes out proportionally based on what funds you are invested in. For example, if you had half your money in the G Fund and the other half in the I fund, a $1,000 withdrawal would take $500 from each fund. This may not be a big deal in some years but in years when the stock market is really low, it often makes much more financial sense to draw from the G fund and let stock market funds have more time to recover. Conclusion Investing your money in the TSP during your career is incredibly important, but knowing how to best take it out in retirement can be just as important. The TSP Modernization Act has made this...
Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Since the TSP Modernization Act went into force in September of last year, there are a number of new withdrawal options from your TSP. Before this, the TSP was miles behind comparable retirement accounts on the private side in terms of flexibility. While the act isn't perfect, it is one of the first steps needed to get the TSP up to speed. Withdrawal Options There are basically three different options when it comes to pulling money out of your TSP. You can basically use them in whatever combination you'd like. TSP Installment Payments- This is where you tell the TSP how much to pay you on a monthly, quarterly, or annual basis. You can also ask them to pay you a monthly amount based on your life expectancy. Although there is no guarantee, the idea is that it will spread out your TSP balance over your entire retirement. You would be able to change the amount anytime or even stop payments if desired. Single Withdrawals- With this option you can request a one-time distribution from your TSP. However, there is a minimum of $1,000 and you can only do this type of withdrawal every 30 days. You could even withdraw your entire account balance if you want. Annuity- With this option you would give your TSP balance or at least a portion of it, to an annuity provider (Metlife has the current contract to provide these to federal retirees if desired). They would guarantee you a fixed income for a certain amount of time. You can also tell Metlife that you want a payment for the rest of your life and the amount of your payment will be set based on your life expectancy. The major downside of this option is the limited flexibility and reversibility. Once you make this decision, it is very difficult to get access to your money other than what they pay you every month. This option offers incredible security but no flexibility. Traditional and Roth One perk that federal employees now enjoy because of the TSP Modernization Act is that they have more control over where their withdrawals come from. For example, before you had to take money out of your traditional TSP and Roth TSP proportionally. Now, you can choose which one you'd like to take your funds out of based on your tax situation in the current year. For example, in a year where you might have higher taxable income, it might make sense to draw only from the Roth side in efforts to stop yourself from bumping up to a higher tax bracket. RMD's One thing that is very important to remember is that at age 72, required minimum distributions (RMD's) are required for both the Roth and the traditional TSP. This basically means that you have to take out a certain percentage of your account balance every year after age 72. Because the TSP has many tax advantages, the government wants to make sure that you don't avoid taxes completely by requiring that you start taking money out. The TSP's Remaining Pitfall While the TSP is not perfect, it does a lot of things really well and serves as a great wealth accumulation tool throughout someone's career. One of the major downsides however is the fact that you cannot decide which funds you withdraw money out of. Whenever you make a withdrawal, the money comes out proportionally based on what funds you are invested in. For example, if you had half your money in the G Fund and the other half in the I fund, a $1,000 withdrawal would take $500 from each fund. This may not be a big deal in some years but in years when the stock market is really low, it often makes much more financial sense to draw from the G fund and let stock market funds have more time to recover. Conclusion Investing your money in the TSP during your career is incredibly important, but knowing how to best take it out in retirement can be just as important. The TSP Modernization Act has made this much
Many people investing for retirement know that it is risky, dangerous and stupid to try to time the market. To guess when stocks are high and sell them then guess again when they are at the bottom when they become bargains. Then repeat as necessary until your bank account is overflowing or all your hair has fallen out. Whichever comes first. Opponents of the by-low-sell-high, repeat-as-necessary system include Warren Buffet, many Americans’ favorite billionaire and the late John Bogle, founder of Vanguard. Both said they couldn’t do it and they never met anyone who could. Still, lots of people — now with the ‘help’ of apps — think they can. So are you one of the lucky/gifted few who can read the markets when guys like Buffet and Bogle couldn’t. Take a test. In fact you’ve already taken it according to D.C. area financial planner Arthur Stein. He’s a former congressional economist who now advises clients — many of them current or former feds including some self-made millionaires — how to grow their TSP accounts and other investments. Art Stein is my guest today on our Your Turn radio show. He says the recent ups and downs of the stock market, after a record long 11 year bull market, have already tested TSP investors like you. So how would you do in the Am I A Market Timer Test?
The Lure of the G Fund: Is it right for you? The G-fund is an incredibly unique fund that isn't available anywhere else in the world other than in the TSP. When investing in the G-fund you have a guarantee from the U.S. Government that you will not lose money in this fund. It also guarantees the return of long-term treasuries but allows you to trade in and out as if it were short-term treasuries. Basically, it gives you higher returns with virtually no risk. The reason you can't find this type of fund anywhere else in the world is because it costs the government money every year to provide this fund for it's employees. Because the G-fund is seen as being 100% “safe”, it has become an incredibly popular option especially when the stock market is sporadic. People understand that there are risks with the stock market but the real question is, what is the cost of “playing it safe”? Over the last 10 years, this fund has averaged a return of about 2.3%. Over the same period, inflation averaged about 1.8%. If all your money is invested in the G-fund, after taking into account purchasing power, your account will grow very little. Inflation is the #1 risk people face in retirement. Now that people are living for longer, it is becoming more important than ever to find a way to make sure you don't outlive your money. The G-fund can be an incredible tool but is rarely the best option for your entire portfolio. Because everyone's situation is different, the best portfolio is invested in the mix of funds that matches your stage of life and financial situation, but almost always should include some stocks. Stocks can be the key to making sure your retirement savings last throughout your retirement. As we all know, investing in stocks has risks. We don't know where the stock market will go in the short run. But we do know that if we average the last 50 years of stock market returns, it would be right around 10%. This means that despite all the ups and downs during that time, stocks have been a great investment. Where people get into trouble is when they aren't prepared financially or emotionally to wait out a storm (or another 2008). The average investor invests when times are good (when stocks are up) and sells when times are bad (when stocks are down) and they repeat the process until they are either broke or too scared to invest any more. This doesn't have to be you. You can break the cycle today. I don't want to completely bash on the G-fund because it can play a very important role in your retirement plan. You just have to make sure that how you invest matches your goals and will enable you to have the retirement that you have always dreamed about.
Most people know the rule is to buy low, sell high. If you buy that, the problem is knowing when the market has peaked or bottomed out. A growing number of Thrift Savings Plan investors are nervously wondering how much longer the current bull market — 10-plus years without a correction of 20% or more — will last, and can last. So many things could go wrong: Turkey and Syria, Chinese trade and the Hong Kong problem, post-Brexit Europe, or impeachment — a major disaster. Arthur Stein, a Washington, D.C.-area certified financial planner, weighs in on this episode of Your Turn with Mike Causey.
Effective Sept. 15, major changes will take effect in the TSP, changes that will make it more attractive for life-time investors and more convenient for people who need to withdraw different amounts over their retirement. Jessica Klement, NARFE vice president for advocacy and Mark Keen, certified financial planner and adviser gives us the details on this episode of Your Turn with Mike Causey.
On this episode of Your Turn, Arthur Stein, a Washington, D.C.-area financial planner with a lot of active and retired federal clients, discusses what people should not be doing with their TSP accounts. Your Turn with Mike Causey airs at 10 a.m. EDT on 1500 AM in the Washington, D.C. area and www.federalnewsnetwork.com.
When it comes to employer-backed 401k plans, most experts say that the federal Thrift Savings Plan, with its 5% match and super-low administrative fees, is the best deal around. At the end of March, the TSP had 5.6 million participants and was worth $561 billion. Arthur Stein, a Washington area financial planner, spent a day on Capitol Hill last month talking to Senate staffers about their investment options. Most of them were in the TSP, but in some cases, he said they should be investing less. Why? Find out on this episode of the Your Turn radio show. Your Turn with Mike Causey airs at 10 a.m. EDT on 1500 AM in the Washington, D.C. area and www.federalnewsnetwork.com.
If you’re like most people, you probably have, or will, spend more time deciding how, when and where you’ll retire than you did deciding how, when and where you would spend the majority of your career. Knowing what to ask is very important. Knowing the answers is critical. Where to start? Relax, we’ll come to you. Benefits expert Tammy Flanagan is the guest this week. The Your Turn radio show airs at 10 a.m. EDT on 1500 AM in the Washington, D.C. area and www.federalnewsnetwork.com.
So you’ve done well, now what? One of the first things you need to do is recognize your true financial value, living and dead, then have a plan. Having a will alone no longer works for many people. Some need a trust and medical directives. But what kind, and how do you know? Tom O’ Rourke, an estate and tax attorney and former IRS lawyer, answers these questions on this episode of Your Turn with Mike Causey. The Your Turn radio show airs at 10 a.m. EDT on 1500 AM in the Washington, D.C. area and www.federalnewsnetwork.com.
After significant declines during the fourth quarter of 2018, TSP funds rebounded during the first three months of this year. Patience has its reward, according to Washington, D.C.-area financial planner Arthur Stein. Many of his clients are retired feds. Several of them are TSP millionaires who did it by long-term investing without reacting to the market’s ups and downs. On this episode, he explains how a "safe" investment could be a higher risk in the long-term. The Your Turn radio show airs at 10 a.m. EST on 1500 AM in the Washington, D.C. area and www.federalnewsnetwork.com.
For the vast majority of federal workers investing in the Thrift Savings Plan is a must, period. Chances are it will provide anywhere from 30 to 50 percent of the income they have in retirement, which is a very big deal. It may be the difference between steak and hamburger or, worst case scenario, cat food. And you don’t have a cat! So if you have a TSP account what did you do in December when the high-flying stock market, after wobbling a couple months, dropped big time? On this episode, financial planner Arthur Stein talks us through the highs and lows of investing in the TSP. He has a number of federal clients including several who are TSP millionaires. The Your Turn radio show airs at 10 a.m. EST on1500 AM in the Washington, D.C. area and www.federalnewsnetwork.com.
Everybody knows the expression what goes up also goes down. Repeat as necessary. We know the stock market retreats and advances. But after the longest running with the bull market for almost a decade, 2018, or at least the last half of it, was a bummer. Many feds, young, old or retired, invested heavily in the stock-indexed C, S and I funds are nervous in the service. On this episode of the Your Turn radio show, we asked financial planner Arthur Stein what’s going on. A majority of his customers are active or retired feds, and several of them are Thrift Savings Plan millionaires. Your Turn airs at 10 a.m. EST on 1500 AM.
02:19 - A judge strikes down the Affordable Care Act, saying the tax provision repealed makes the entire law unconstitutional. Gregory reminds you of the metaphor between healthcare and buying an airline ticket. Few things wreck your financial world like unplanned medical costs. 25:14 - Gregory expands the amount of public events he's planning to cover additional topics like Social Security and Estate Planning. 27:47 - Charles in Covington is our Caller of the Week: Charles in Covington has moved his Thrift Savings Account out of the riskier funds into the G Fund, but how will he know when to get back into the pool? 36:34 - Gregory shares a report that the top CEOs read 60 books a year on average. 39:54 - Financial things to do before the end of the year. Gregory rolls through a helpful list of things you should check on. 48:21 - Jude Heath, CPA of the Total Wealth Authority™ covers tips on how to keep your financial house in order when it comes to taxes at the end of the year. 1:01:47 - Gregory tells the story of a guy who tried to send his Required Minimum Distribution to a charity, but since the check went to the wrong address, he missed his RMD and is facing a penalty. Gregory shares some tips he's learned by helping with thousands of IRAs. 1:06:47 - Jude Heath and Gregory agrees that James is too sloppy with his record keeping, and should be better about checking the mail. 1:15:22 - Jude Heath covers some of the changes to itemized deductions in the tax code for the next year. 1:22:32 - Dwayne Stein of the Total Wealth Authority™ had a great toy drive, and collected more than 200 toys that were given away at the iHeartMedia New Orleans Christmas toy event. 1:26:06 - Jude reviews a call from Sherri in Biloxi asking if she has to file an income tax return in retirement if her income is especially low. Gregory asks a few questions, and it turns out her income is held to a much lower standard because she's self employed. It looks like she will probably have to continue filing her income taxes. 1:37:07 - Chrisitan in Metairie is thinking about setting up a 529 plan to save for his kids' college, and wants Gregory's guidance on how to set it up. Gregory explains the ins and outs of 529 plans, but also is thinking a Roth account could be a good fit. 1:43:26 - A judge strikes down the Affordable Care Act, saying the tax provision repealed makes the entire law unconstitutional. Gregory reminds you of the metaphor between healthcare and buying an airline ticket. Few things wreck your financial world like unplanned medical costs. 1:56:10 - Gregory reports on the demise of the Dollar Menu at fast food chains, as inflation has forced their evolution into the Value Menu. A dollar doesn't get you much these days. 2:05:15 - Things you can do in 2019 to improve your financial situation. 2:08:19 - Jimmy in Metairie has taken some scary losses in the market in the last couple months. Should he ride the losses out, or get out of the pool until things turn up? Gregory questions how he could be 100% in the market at a time like this, and has a few ideas on how to get out of this mess. http://www.WinningAtLife.com
01:02 - A tour of West Point was the highlight of Gregory's trip to New York. He shares his story of a historic and inspiring visit. A trip to Rockefeller Center was beautiful, but COLD. 05:44 The Numbers went from bad to worse, and there's little chance of it turning around in the near future. Too many forces are pushing stocks down, and the underlying economic growth just can't compensate for all of it. 12:19 - Alan Greenspan tells Maria Bartiromo he expects the fourth quarter GDP growth between 2-2.5%. Is the economy slowing down? When will it be time to get back in the pool? 17:46 - Brexit is stalling, and the Yellow Vest protests are rocking in Europe. Are these protests primarily economic, and what is their message? This style of uncertainty is not good for business. 22:48 - Charles in Covington has moved his Thrift Savings Account out of the riskier funds into the G Fund, but how will he know when to get back into the pool? 36:32 - End of Year Financial Planning: Gregory and James go through a list of financial things you need to check on as we get close to the end of the year. 41:04 - The next Gregory Ricks Live! is coming up January 16th. Maybe you're ready to take that next big step, maybe you would like to hear more information, we can do that together over a wine and food pairing hand picked by Gregory.
The TSP F Fund is the Thrift Savings Plan version of a corporate bond fund. However, if you dig a little bit you'll quickly see why this fund is NOT a corporate bond fund in the least. Why do I say this? Look what happened in 2008. In 2008 everything, and I mean EVERYTHING got hammered. That is, everything for government bond funds. Government bonds did swimmingly in that year as everyone was fleeing from risk into assurance. What did a typical corporate bond fund do in 2008? Well look at USAA's Income Fund, USAIX. It was down over 5%. What did the TSP F Fund do? It was UP over 5%! The only way to do that was to have exposure to government bonds, such as GNMAs. Does the F Fund have some corporate bonds in it too? Yup. That's why I actually changed my mind mid-episode as to the fund I'd choose for my fixed income holdings, the G Fund or the F. The F has a broader range of fixed income products in its portfolio. --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support
I'm a huge fan of the Thrift Savings Plan offered to Federal Government employees, including military personnel. A cheaper investment platform I do not know. The funds in the TSP average 3.3 basis points in expenses. That means for every $1000 you have invested in the TSP your cost is 33 cents. That's incredible Think about it another way, if you pay 1% in investment expenses it's going to cost you $10 per $1000 per year. Your investment manager must have some pretty good chops to overcome that starting point. And, in fact, he/she most likely won't. In this episode I analyze the G fund in the TSP. The G Fund is the Government securities fund. I show you why you shouldn't expect more than around 3% a year in rates of return over the next decade. Doesn't mean I think it's a bad fund, it just is the reality of the interest rate cycle. Remember folks, bonds do not have capital appreciation. You get paid interest and interest only. --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support
So, how often do you look at your Thrift Savings Plan account balance, and does it affect your investment decisions? Do the ups and downs of your TSP account keep you up at night? Are you financially nervous in the civil service, or do you think you have the wrong mix of funds in your retirement nest egg? If so, financial planner Arthur Stein has the answers to your retirement questions. Stein will discuss these and other TSP investing topics on the Your Turn radio show Wednesday at 10 a.m. Questions for him or Mike Causey can be sent before the show to mcausey@federalnewsradio.com Listen at www.federalnewsradio.com or 1500 AM in the Washington, D.C. area.
When financial times get tough and a bull market rears its ugly head, many Thrift Savings Plan investors head for the safety of the bond index F Fund or, more likely, the super-safe never has a bad day G Fund. To many people, the U.S. Treasury-backed securities are the safest haven in an uncertain market. During the Great Recession many TSP investors pulled out of the stock market (C, S and I funds) into the G Fund. Although the market bottomed out March 9, 2009, and rebounded with a vengeance, many investors never returned. Certified financial planner Art Stein said there is safety and then there is “safety,” the latter actually used by people to mean a lack of volatility. Stein was the guest on this week’s episode of the Your Turn radio show and he discussed the price that investors pay for safety. Tune in to the show Wednesdays at 10 a.m. at www.federalnewsradio.com or 1500 AM in the D.C. metro area.
When it comes to the federal Thrift Savings Plan, the average annual returns don’t tell you everything because TSP stock funds do not have many “average” years. “The typical ways to view TSP returns is to look at the total return over a certain time period — annually, quarterly, year to date — or over a number of years,” according to financial planner Arthur Stein. He says patterns are easier to spot when returns are ranked by size. Your Turn is a radio show (Wednesday's at 10 a.m. EST) streaming on Federal News Radio or at 1500 AM in the D.C. area.
When people close in on their retirement date many become anxious about life after a steady, bi-weekly paycheck. The old Civil Service Retirement System provided a much more generous pension/annuity than the Federal Employees Retirement System, which covers most working feds. So what to do? We ask John Grobe, a former fed, and benefits specialist, to crunch some numbers — the numbers you need to know before you retire. He discusses the “Rule of 7 Rules” to protect your retirement nest egg on this episode of Your Turn, a radio show (Wednesday's at 10 a.m. EST) streaming on Federal News Radio or at 1500 AM in the D.C. area.
In addition to a proposed pay raise freeze in January 2019, the White House and Congress are recommending that Congress do away with cost-of-living adjustments for both current and future retirees under the FERS program, which covers most feds still working. They also want to, among other things, reduce the rate of return on the Thrift Savings Plan’s Government Securities Investment (G) fund, and base federal pensions for new retirees on the average of the highest five years of salary instead of the highest three. So what do these proposals mean? What are the odds that any (or all) of them will be enacted into law this year? Or at some point in your career? Jessica Klement, staff vice president, advocacy; and Jill Talley, deputy director, public relations, from the National Active and Retired Federal Employees Association discuss. So what do these proposals mean? What are the odds that any (or all) of them will be enacted into law this year? Or at some point during your career? We’ll find out when we talk with Jessica Klement, staff vice president, advocacy; and Jill Talley, deputy director, public relations, from the National Active and Retired Federal Employees Association on this episode of Your Turn with Mike Causey. Your Turn airs Wednesday’s 10 a.m. ET at Federal News Radio or WFED 1500 AM.
Did the recent stock market nosedive send you moving money from the stock indexed C and S funds into the G fund for safety? If so, was that a smart move? And what’s next? Are you waiting, as in sweating, a much bigger correction that many experts say is long overdue? We asked Arthur Stein, a Washington-area financial planner who tracks the Thrift Savings Plan what he thinks is going on. Did the recent stock market nosedive send you moving money from the stock indexed C and S funds into the G fund for safety? If so, was that a smart move? And what’s next? Are you waiting, as in sweating, a much bigger correction that many experts say is long overdue? We asked Arthur Stein, a Washington-area financial planner who tracks the Thrift Savings Plan what he thinks is going on. He’s our guest on this episode of Your Turn, a radio show (Wednesday's at 10 a.m. EST) streaming on Federal News Radio or at 1500 AM in the D.C. area.
In this Episode of Oil & Gas This Week – The White House details their new environmental deregulatory plan, Facebook’s Zuckerberg heads out to North Dakota oil land, $2b Energy Fund goes bust, Are oil and gas companies hiring enough women? , Mexico’s oil and gas reform gains momentum, LyondellBasell moves forward with $2.4b plant in Houston. Have a question? Click here to ask. Show Notes & Links: 2017 on the road sponsors: Totaland The World’s Most Advanced Field Land Management System The Landman’s Virtual Office https://www.totaland.com Lee Hecht Harrison As global experts in talent management, LHH is currently helping 75% of the Fortune 500 Oil & Gas companies simplify the complexity of leadership and workforce transformation. http://www.lhh.com API-YP Events Stories: White House Details Environmental De-reg Plan Facebook’s Zuckerberg drills down into North Dakota’s oil patch $2 billion energy investment goes bust in rare complete failure of private equity fund Whatever oil and gas companies are doing to recruit women, it’s not working Mexico’s Oil and Gas Reform Gains Momentum LyondelBasell gives final green light to $2.4b chemical plant in Houston Weekly Rig Count As of 7/20/2017 – The American Rig count is 1024 active rigs. Redwing Has A Winner! JC Hickman, Account Manager at United Energy Group, you’re this week’s winner! Congrats! CLICK HERE TO ENTER FOR YOUR CHANCE TO WIN! Get Mark’s Monthly Events Email Get Automatically Notified About Oil & Gas Events Once a Month Connect with Us OGGN LinkedIn Group OGGN Facebook Group Join API-YP Jake Corley | Facebook | LinkedIn | Email Mark LaCour | Facebook | Twitter | LinkedIn | Email | modalpoint.com
In this Episode of Oil & Gas This Week – The White House details their new environmental deregulatory plan, Facebook’s Zuckerberg heads out to North Dakota oil land, $2b Energy Fund goes bust, Are oil and gas companies hiring enough women? , Mexico’s oil and gas reform gains momentum, LyondellBasell moves forward with $2.4b […] The post WH Details Dereg Plan | $2b O&G Fund Goes Bust | Facebook’s Zuck Visits Oil Country-OGTW119 appeared first on Oil and Gas This Week Podcast.
This week on "For Your Benefit" , listen in as hosts Bob Leins, Tammy Flanagan and their guest, Kristina E. M. Sturgis, CFP® CDFA™ Financial Advisor, NITP Seminar Presenter and Certified Financial Planner™ with Valenstein & Patterson, a financial advisory practice of Ameriprise Financial Services, Inc. discuss:-The reasons why volatility is a fact of financial planning. -Determining your personal risk tolerance and its impact on long term financial planning. A focus on the best laid plans can be subject to bad weather, traffic jams and scenic stops along the way. -While it is very difficult to predict your reaction to an investment's decrease during a period of negative volatility there will also be a subsequent period of positive volatility. -Investments including the TSP will have a bad day (with the exception of the G Fund), but knowing how to understand and prepare is key. For questions or comments, email us at ForYourBenefit@nitpinc.com .
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