If you recall from last year, I resolved to roll all my IRA assets BACK in the the TSP, based on the following facts and theories:

  1. (Fact) TSP will soon allow much more withdrawal flexibility,
  2. (Fact) I’m not smarter than the market,
  3. (Fact) TSP Lifecycle funds have the lowest fees of any target-date fund, and
  4. (Theory) TSP Lifecycle funds are the best target-date funds available based on their cash-equivalent fund (the G Fund).

… so how about #4?  Any way to prove this theory in to fact?

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Maxing your 401(k) or TSP will help you get to this Happy Place faster…

There’s a lot of debate about how much you should put in to your TSP or 401(k) plan every year, and whether you should ‘front-end’ load your 401(k) at the beginning of the year, dollar cost average during the year, or back-end load your 401(k) at the end of the year for tax planning.

Here’s a 401(k) hack that works for me at the end of every calendar year.

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New Military Retirement System is a Pyramid Scheme

Lendign Club Provides Investors with Negative Returns

My Lending Club investment returns have been taking a beating lately.  Even with a spread of more than 1400 loans across multiple grades, I’m getting burned with -0.3% Annualized Return.

This account funded in the Spring of 2015, so the loans are in their at their 30 month point, a ‘danger zone’ when Lending Club reports most defaults take place.

This account has followed all of the recommended investing ‘rules’ on the Lending Club website – Buy more than 800 loans, spread out your credit risks, etc.  After following the Lending Club guidance, all I can state is that the performance is rather unnerving, minus 0.3% Annualized Return: Continue reading


Solo 401k Parachute

Are you looking to Retire Early, but don’t want to pay a penalty to access the money you saved before you turn age 59.5?

 

Got a ton of retirement money stashed in the TSP, an IRA, former employer’s 401k, or other Qualified Retirement Plan?

 

Are you also looking to implement a withdrawal strategy that does not force you in to a 5-year waiting period like the ‘Roth Conversion Ladder’ does?

 

There’s a perfectly legal method to get to your Retirement Plan money at age 55 without paying a penalty, and it’s called the Solo 401k.

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