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Thrift Savings Plan Underutilized & Underappreciated AWAG Leadership & Training Seminar. Presented by: Joseph “J.J.” Montanaro, CFP® USAA Financial Planner . Since our lawyers are not here…. Investments/Insurance: Not FDIC Insured • Not Bank Guaranteed • May Lose Value
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Underutilized & Underappreciated
AWAG Leadership & Training Seminar
Joseph “J.J.” Montanaro, CFP®
USAA Financial Planner
Investments/Insurance: Not FDIC Insured • Not Bank Guaranteed • May Lose Value
Tax-advantaged employer retirement plan
2013 Contribution limits
Low cost investment options
Name a beneficiary
What’s the Big Deal?
What's Your Tax Future?
Future tax rates are unpredictable
*Percentages are highest marginal tax rates for the years given.
Roth accounts allow tax-free withdrawals if you are 59 ½ years old and have held the account for at least five years.
Roth IRA vs. Roth TSP
C Fund: S&P 500 Index (large US stocks)
S Fund: Small Stock Index (small US stocks)
I Fund: MSCI EAFE Index (foreign stocks)
F Fund: Bond Index (US bonds)
G Fund: Guaranteed Fund (non-marketable treasuries)
L Funds: Lifecycle Funds- target date mix of above
Risk vs. Return
G-3.61%/year (High: 4.93%, Low: 1.47%)
F-7.01%/year (High: 7.89%, Low: 2.40%)
C 7.12%/year (High: 28.54%, Low: -36.99%)
I-8.39%/year (High: 37.94%, Low: -42.43%)
S-10.79%/year (High: 42.92%, Low: -38.32%)
G FundTSP-Investment Options
Lifecycle Fund Example
Portfolio Automatically Adjusts:
L2030 Fund : April 2013April 2028*
G Fund 25%60%
F Fund 8%6%
C Fund 35%19%
S Fund 13%5%
I Fund 19%10%
and $17,500 to Roth
USAA or its affiliates do not provide tax advice. Taxpayers should seek advice based upon their own particular circumstances from an independent tax advisor. Diversification does not guarantee a profit or prevent a loss.
Calls will be answered by USAA representatives who may discuss bank and non-bank products. Investment/Insurance: Not FDIC Insured • Not Bank Issued, Guaranteed or Underwritten• May Lose Value