5:34 pm, May 25, 2015

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  • 5

  • Fair?
    So when the CSRS folks are screaming about their unfair treatment with the FICA decrease, they can think of this!
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  • To A Fed
    t does the TSP G fund pay now? I guess it is similar. Soon, there will be a Roth TSP. You will still have to pay taxes on the earnings from this investment. For what it is worth, I have not contributed to this thing and probably never will. I'll take the 2% reduction in my contributions to my pension up to social security limits over this.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Savings
    I just wish they would hurry up with the 401(k) Roth Option that starts next year. I need a retirement that is tax free. Right now everything will be taxed, and I am afraid of what the tax rate will be with all this spending!
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Roth 401(k) prospective, VC retrospective
    Were I still in the government's active employ, I would jump on the Roth 401(k) with both feet. But that will be a going forward opportunity, a "prospective" one available to all, whereas the Volunatary Contribution one is mostly a "retrospective" one (how much more time in federal service for those who have already been >26 years?) that can encompass all of one's government service to date (10% of lifetime earnings in government service). And those who have already retired, whether CSRS or FERS, are shut out. (True, CSRSers could have done it before they retired, but until recently there was an income cap on conversion of these monies, or other tax-deferred funds, to a Roth IRA, so wasn't as attractive an opportunity as it is now.)
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Quick Comment
    You do realize, you can open a Roth right now. It's only 5k a year but it's better than nothing and you can choose your own funds instead of the TSP options. I've been maxing mine for a while now in expectation of higher taxes down the road. In regards to the voluntary contributions, where's the benefit beyond a better return than current CDs. If you're "only" paying tax on the earnings, how is that any different than a normal investment?
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }