TSP calculator


Q. When I use the TSP website’s Monthly Payment Calculator to determine how long my payments will last at an amount selected, it asks what annual interest you expect to receive.  I plan on leaving all my money in the G Fund. What rate should I expect?

A. You’ve found the flaw in the calculator that makes it unreliable – pretty much useless in my opinion. Since its inception the G Fund has returned as much as around 9 percent in a year, and as little as 2.81 percent in 2010. If you’re not exercising a rigorous monitoring and management program over your portfolio along the way, you should probably set your estimate closer to the low end of the range.





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Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to fedexperts@federaltimes.com and view his blog at money.federaltimes.com.

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