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The Retirement Red Zone: Protecting Your TSP in the Last 5 Years
The market has handed federal employees a decade of easy TSP growth. William Smith explains why that run isn't normal, and what changes in the years right before you retire.
This session covers sequence of returns risk using real TSP fund history back to 1988, why a 20% market drop needs more than a 20% gain to recover from, and how the same $500,000 TSP balance can run out in 18 years or grow past $1 million depending only on the ten years you happen to retire into.
William also breaks down the Financial House framework (protected foundation, inflation and tax-proofed walls, market-exposed…
The skinny
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