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Early Retirement

^     All messages            57960-57975 of 57975  57944-57959 >>
57975
R.C. #1Person was signed in when posted
06-16-2019
11:49 AM ET (US)
Your best pathway to an early out is the elimination of Saturday delivery. That would require an act of Congress and signed into law by the POTUS.
57974
RockinjerPerson was signed in when posted
06-16-2019
11:44 AM ET (US)
/m57969 Lets keep our fingers crossed for an offer around the end of the fiscal year. Although I'm skeptical. I've heard from a couple different sources something MAY be in the works around September. I believe Hannah Blector had also posted she had heard a similar rumor from her source??
57973
jelloPerson was signed in when posted
06-15-2019
08:17 PM ET (US)
Postal mentality is throw more management at it. We have manglement asking why we backed up here or why we backed up there. Idiots watching us in the district war room pouncing on our every move, calling our local 204bs to question us. I just tell them " I didn't back up, I just ran 20 yards back and forth to the vehicle with the scanner in my hand. Follow me all you want , everyday is a route count day fools.
57972
Boss BasherPerson was signed in when posted
06-13-2019
02:22 PM ET (US)
Massive route additions and elimination of routes will take care of that. Before you know it, you'll be Mandated to work all your days off & work more than 12 hours a day. Never underestimate Postal Mismanagement's ability to Over-Respond to any given situation.
57971
jelloPerson was signed in when posted
06-13-2019
02:02 PM ET (US)
With volume drying up something has to give. Saturday and Monday used to be my overtime days now they're my 8 hour days and the rest of the week is undertime.
57970
ArleekPerson was signed in when posted
06-12-2019
09:07 PM ET (US)
In 2 years and 7 months. Exactly 1 month after i retire 🙂
57969
MesohungryPerson was signed in when posted
06-12-2019
12:17 PM ET (US)
When will we ever get another early out offer?
57968
Deleted by topic administrator 06-04-2019 09:53 PM
57967
Hannah BlectorPerson was signed in when posted
06-02-2019
05:51 PM ET (US)
I don't know what Ameriprise charges or if yours is a retirement account, but you can also transfer eligible accounts INTO the TSP.
57966
jelloPerson was signed in when posted
06-02-2019
03:00 PM ET (US)
The new changes coming to the TSP make it a little more attractive to stay in . I will explore my options after retirement next year. We have an Ameriprise account but not sure if I want to transfer over my TSP to that account or merge both to a Vanguard account.
57965
DennissPerson was signed in when posted
06-02-2019
02:02 PM ET (US)
Arleek /m57959 ... This is false, and not what you said previously. You made it sound like ("withdraw total") that you have to take all your money. The TSP uses the phrase "full withdrawal," and one of the options for full withdrawal is a monthly payment. Please stop posting bad information.
57964
Hannah BlectorPerson was signed in when posted
06-02-2019
01:28 PM ET (US)
Arleek, regarding return averages. TSP mimics other funds. That passive management is why the costs are low. No one is picking stocks or investments. So the return averages you get in TSP are the same you will get in other places. The TSP website identifies the funds that they mimic. C fund is S&P 500. So the TSP returns for that fund are the same you will find at thousands of financial firms. Same with all the other funds. The cost and the customer service may be different and you will find more investments available outside the TSP. But you can get elsewhere exactly what you get in the TSP--same investments with the same returns (yes, there are miniscule little timing differences perhaps, but they are simply timing matters that can cause tiny variations that can go either way and that average out over time).
57963
Hannah BlectorPerson was signed in when posted
06-02-2019
01:12 PM ET (US)
TSP has basically the same stuff you will find lots of places. There are some who want the G fund and feel it is better than something comparable elsewhere. The big plus for the TSP used to be the low cost. But now others offer the same choices for a similar and even cheaper cost. The TSP is making some changes that will benefit participants. If they did not, there would be little reason to stay in the TSP. I cannot think of a reason to not transfer to something similar elsewhere. I guess some would not want to take the action, but your new fund will happily help you if you move the money. Some probably think their money is "safer" in the TSP than elsewhere for some reason.

If you move your money out of the TSP, just be sure you aren't giving a chunk of it to some salesman. One good way to avoid that is to throw away any solicitations you get and find your new money home for yourself or with the help of someone with nothing to gain and who is only concerned with helping you not lose money.

I just helped my daughter set up a Roth IRA investing in Fidelity Zero Funds. She is now on autopilot with investments that are diversified. The TSP has a low expense ratio. My daughter's expense ratio is zero. Until someone pays you a fee, zero expense ratio will not be beat. It is simple. There and elsewhere. I am not advertising for anyone. But any company will be glad to help you move your money. The market says fees should be zero. So that is what more large firms will be charging for a lot of investments that will fit the needs of most investors.
57962
ArleekPerson was signed in when posted
06-02-2019
12:43 PM ET (US)
The system is far from perfect but its fairly simple and the returns are good. I have not looked into Vangurad yet. How are there return averaages ?
57961
The GipperPerson was signed in when posted
06-02-2019
12:35 PM ET (US)
Well, I'm telling you to just roll it over to Vanguard.
57960
Hannah BlectorPerson was signed in when posted
06-02-2019
12:02 PM ET (US)
"Under the current TSP you are required to withdraw your funds at age 70 .5. or they are moved to the G Fund for you." Never heard of this. Full withdrawal did not mean you had to take all your money out at age 70.5. You just had to take one of several actions to comply with IRS laws. I never heard of being forced to move to the G fund at age 70.5.

I kind of feel like I am not understanding something here. I am no expert. That is why I want to know more.
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