Chapter 1: What the TSP s Design Means to You

• Recent (and, for Some, Troublesome) Changes to the TSP
• Payroll Withholding
• Investment Rates and Agency Contributions
• Tax Treatment
• Roth Balances
• Investment Choices
• Special Investment Considerations
• The Shares System and Dollar Costs Averaging
• Catch-Up Contributions
• Rollovers from Other Retirement Plans
• Loan Program
• In-Service Withdrawals
• Options at Separation
• Special Rules for Reservists

Chapter 2: The TSP s Place in Your Overall Assets

• The TSP Tax Advantage
• The TSP Administrative Expenses Advantage
• The Importance of Participation
• The TSP s Role in Your Retirement Savings
• The TSP and Individual Retirement Accounts
• The TSP and Your Other Savings Purposes
• Balancing Risk

Chapter 3: Time and Timing Considerations for Continued TSP Investing

• Account Growth
• Maximizing Investments
• Risk and Return
• The TSP Funds
• How the TSP Stock Funds Relate to Each Other
• The L Funds
• The Mutual Fund Window
• Your Time Frame
• Timing TSP Investments

Chapter 4: Investment Questions and Answers

• Investment Rules
• The G Fund
• The C Fund
• The F Fund
• The S Fund
• The I Fund
• The L Funds
• Moving Money among Funds
• Account Information and Servicing

Chapter 5: Loans and In-Service Withdrawals

• Loans
• In-Service Withdrawals

Chapter 6: Looking Ahead to a TSP Withdrawal

• Growth of Current Account Balance
• Growth of Future Investments
• Translating Your TSP Account into Potential Income

Chapter 7: A Framework for Your Withdrawal Decision

• Projecting Your Basic Federal Retirement Benefit
• Projecting Income from Other Sources
• How Long You Might Be Retired
• Assessing Your Retirement Income Goals and Needs
• Timing Your TSP Withdrawal
• The Minimum Distribution Rule
• Finding the Best Deal

Chapter 8: : Lump Sum Distributions

• Advantages and Disadvantages
• Tax Implications

Chapter 9: Installment Payments

• Calculating Payments
• Advantages and Disadvantages
• Tax Implications

Chapter 10: Annuities

• Calculating Payments
• Advantages and Disadvantages
• Tax Implications

Chapter 11: Survivor Benefit Considerations

• TSP Death Benefits
• Civil Service Retirement Survivor Benefits
• Social Security Survivor Benefits
• Other Income for Your Survivor
• The Survivor Annuity Choice

Chapter 12: Other Withdrawal Considerations

• Mixing and Matching
• Spouse Rights
• Court Orders

Chapter 13: TSP Resources

• The ThriftLine
• Online Services
• Addresses