MyTSPNest

FERS employee approaching MRA? Track your high-3, C/S fund mix & FERS supplement in one place. Stop flying blind on retirement.

[MyTSPNest @MyTSPNest]

Federal employees answer 3 questions and see their projected monthly retirement income in under 60 seconds. No account needed. MyTSPNest tracks TSP, FERS & Social Security in one dashboard. Try it free: https://t.co/9DsglPlutc

[MyTSPNest @MyTSPNest]

ICYMI: A Roth conversion ladder is one of the most powerful tax strategies for FERS employees, and almost nobody talks about it. Convert traditional TSP to Roth during low-income years before RMDs. Without modeling the tax impact year by year, you either overpay or miss the

[MyTSPNest @MyTSPNest]

The FERS supplement is supposed to bridge you to Social Security, but the earnings test can claw it back if you earn over the limit after retiring. Your HR exit counseling will not mention that. You find out the rules only when it is too late to change your retirement date.

[MyTSPNest @MyTSPNest]

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#TSP #FERS #FederalEmployees #MyTSPNest

[MyTSPNest @MyTSPNest]

You get two interfund transfers per month in TSP. After that, you are locked into your allocation until the next calendar month. Most feds learn this rule staring at a market drop they cannot react to.

[MyTSPNest @MyTSPNest]

Your break-even age is the age where waiting to retire produces more lifetime FERS income than retiring early. Almost nobody calculates it. Without that number, your retirement date is a guess based on hallway conversations.

[MyTSPNest @MyTSPNest]

your FERS survivor election is a one-time decision at retirement. a 5% annuity reduction gives your spouse 50% after you die. a 10% reduction gives 25%. most feds pick without modeling how long the survivor benefit needs to last.

[MyTSPNest @MyTSPNest]

A FERS employee who retires at 62 or older with 20+ years of service gets a 1.1% pension multiplier instead of 1.0%. That's a 10% larger annuity for life, just for timing your retirement date.

[MyTSPNest @MyTSPNest]

ICYMI: if you retire at your MRA, you can collect a FERS supplement that approximates your Social Security benefit until age 62. It phases out if your outside earnings exceed the annual limit.

[MyTSPNest @MyTSPNest]

What's the biggest gap in federal retirement planning? OPM's calculator doesn't cover MRA+10 or special category rules. LEOs, firefighters, and ATCs are on their own.

[MyTSPNest @MyTSPNest]

FERS retirement isn't one decision. It's seven stacked together.

+ Time your pension
+ Plan TSP withdrawals
+ Know your FERS supplement
+ Pick your SS claiming age
+ Lock in FEHB coverage
+ Decide on survivor benefits
+ Map your Roth conversions
Each one changes the others.

[MyTSPNest @MyTSPNest]

A FERS supplement ends at 62. If your retirement income projection doesn't show the cliff, you're planning against a number that disappears.

[MyTSPNest @MyTSPNest]

A step increase before retirement does more than raise your paycheck. It can lift your high-3, which determines your FERS pension for life.

[MyTSPNest @MyTSPNest]

Most FERS retirees hit a tax window between retirement and RMD age where their income drops. That's the time for a Roth conversion ladder, before Social Security and withdrawals push you back up.

[MyTSPNest @MyTSPNest]

To keep FEHB in retirement you need five consecutive years of enrollment before your retirement date. Many federal employees don't learn this until it's almost too late.

[MyTSPNest @MyTSPNest]

if you served in the military before your federal career, you can buy back that time to count toward your FERS pension. the cost is a percentage of your military base pay. the return is a higher pension for life.

[MyTSPNest @MyTSPNest]

LEOs, firefighters, and ATCs have different FERS pension multipliers and mandatory retirement ages. Most retirement calculators ignore this. Your income projection could be off by years.

[MyTSPNest @MyTSPNest]

your TSP match is per pay period, not per year. the 1% automatic is free, but the other 4% requires you to contribute 5% every check. front-load your contributions and hit the annual limit early? you stop getting matched for the rest of the year.

[MyTSPNest @MyTSPNest]

A GAO review found federal employees waited hours on the phone just to access their own TSP accounts after the platform migration. Some spent months getting in. You can't plan retirement when you can't even see your balance.

[MyTSPNest @MyTSPNest]

ICYMI: your FERS high-3 isn't your last three years of pay. It's your highest 36 consecutive months of basic pay averaged. A promotion or within-grade increase in your final years raises your pension for life.

[MyTSPNest @MyTSPNest]

Your federal benefits weren’t built to work alone.
MRA + FERS + TSP + Social Security + FEHB + timing.See how the pieces work together—and how soon freedom could become possible. 🇺🇸
Your benefits. Your future. Your freedom.

https://t.co/YQQEvxY59t

#TSP #FERS #FederalRetirement