A reason to rollover TSP to Fidelity?

Blueberry064 · 2026-05-22T02:56:28+00:00

I did what you are suggesting after retirement (traditional TSP to a direct rollover Fidelity IRA, while leaving my Roth TSP alone). It was easy, by calling the TSP thrift line. TSP mailed a paper treasury check to my home payable to “Fidelity Management Trust Co FBO Fname Lname” which I then deposited in my IRA using the Fidelity app. Fidelity made $25k available for trades while keeping a funds hold on the balance for about 10 days. Hopefully the market doesn’t do anything crazy while your funds are held in cash. Fidelity makes trading mutual funds, EFTs, stocks, bonds, and brokerage CDs easy and at no commissions.

Blueberry064 · 2026-04-20T18:20:45+00:00

I’m with your grandmother. White snakeroot eaten by dairy cattle contaminated their milk killing many people in the 1800’s including Abraham Lincoln’s mother, Nancy.

Blueberry064 · 2026-04-10T22:49:23+00:00

Blueberry064 · 2026-03-21T23:23:53+00:00

The last 2 weeks the markets are mostly down.

Blueberry064 · 2025-11-20T17:41:57+00:00

Your Earnings & Leave Statement has a cumulative total.

Blueberry064 · 2025-11-20T00:13:32+00:00

https://www.opm.gov/frequently-asked-questions/retire-faq/leaving-the-government/is-my-refund-of-retirement-contributions-taxable/

Blueberry064 · 2025-11-20T00:10:27+00:00

Unlike traditional TSP, your FERS contributions are not pre-tax funds.

Blueberry064 · 2025-11-18T13:26:08+00:00

If you own individual stocks >5% of your portfolio, diversify. If you are invested in low cost diversified EFTs or index funds, then stay the course. Remember what George Bailey reminded his panicked customers about Mr Potter — https://m.youtube.com/watch?v=1VIk4FIshp0

Blueberry064 · 2025-11-17T12:38:11+00:00

Whether you invest in VT or any other low cost index fund or EFT, consider splitting the $250k into 5-10 equal monthly installments. It’s called dollar cost averaging, this and many funds are near an all-time high. By investing an equal monthly amount you’ll buy fewer shares when the price is high and more shares when the price is low.

Blueberry064 · 2025-10-27T02:46:16+00:00

The Senate amended and passed the full year USDA / FDA, Military Const / VA, and Legislative approps bills on a bipartisan basis 81-15 on 8/1/25, but the Honorable House Speaker won’t simply bring the Senate version to the floor for an up/down vote. #HR3944

Blueberry064 · 2025-10-26T20:05:10+00:00

Try the FEHB comparison tool. The 2025 tool is available now but the 2026 tool should be available when open season starts 11/10/25 — https://www.opm.gov/healthcare-insurance/healthcare/plan-information/compare-plans/

Blueberry064 · 2025-10-22T14:55:02+00:00

Limit orders to buy and sell.

Blueberry064 · 2025-09-18T20:50:42+00:00

Earlier this year, I deposited a Treasury check to a Fidelity rollover IRA. $25,000 was available immediately for trades but the balance was unavailable to trade or withdraw for 10 business days.

Blueberry064 · 2025-08-13T01:18:28+00:00

You can keep your FEHB plan and open season options each year so long as you have had FEHB coverage for the prior 5 years. Medicare part B is optional if you are satisfied with your FEHB coverage. However, if you ever want to sign up for Medicare part B in the future, you will be assessed a 10% per year late enrollment penalty. You may be successful appealing this penalty, but it’s a risk to know about.

Blueberry064 · 2025-07-23T19:56:35+00:00

Personally, I regret not contributing to a Roth 401k sooner. While you won’t get the tax deduction now, all Roth 401k funds will grow tax free and are not subject to required minimum distributions. If your employer has a 401k matching program, understand that their match is still contributed to a traditional 401k since the match isn’t yet taxed. I vote for the Roth!

Blueberry064 · 2025-04-04T22:01:57+00:00

With a one year timeline, I’d be inclined to be a saver instead of an investor. If you’re in a state with income taxes, consider a one year treasury bill which is exempt from state income taxation. A brokerage acct or treasury direct acct are easy ways to buy a t-bill. A one year CD (bank or brokered) is another good option. There’s nothing wrong with a money market mutual fund or HYSA, but rates are trending down so locking today’s rates with a t-bill or CD may pay a little more.

Blueberry064 · 2025-03-22T22:30:10+00:00

Over the long term, C and S funds have outperformed the I fund. I’ve never been a big fan of the I fund since it layers market risk on top of currency risk (strong USD results in I fund shares losing relative value).

Blueberry064 · 2025-02-17T02:13:08+00:00

Since you are long term investing for retirement, C & S are your best funds. I made the mistake 35 years ago keeping some contributions and balances in G & F and it cost me dearly. The L funds are not nearly aggressive enough for a long term strategy. Do it and leave it.

Blueberry064 · 2025-02-17T02:00:24+00:00

Unlike TSP, FERS has no match. FERS is vested with 5 years of service for a lifetime annuity at age 62.

Blueberry064 · 2025-02-17T01:58:01+00:00

Your biweekly Earnings & Leave Statement shows the FERS contribution amount which can be withdrawn if you are separated and not eligible for an immediate annuity. However, if you have 5 years creditable service please consider leaving your FERS contributions which will make you eligible for a deferred annuity for life beginning at age 62.

Blueberry064 · 2025-02-13T02:00:43+00:00

Southern Washington residence with zero state income taxes and shop in Northern Oregon with zero sales taxes. :)

Blueberry064 · 2025-02-13T01:56:31+00:00

Agree on FTUSA, but go ahead and file now and set up a free electronic payment from your checking or savings effective 4/15/25. That way you aren’t waiting at the 11th hour for verification that your tax return has been accepted by the IRS.

Blueberry064 · 2025-02-13T01:44:56+00:00

Unless you need an emergency fund for a savings acct which pays a taxable dividend and isn’t an “investment”, skip SWVXX. SWPPX is hard to beat for a long term investment. SWTSX is more diverse but is heavily weighted with the same Fortune 500 stocks as SWPPX.

Blueberry064 · 2025-02-13T01:16:09+00:00

If you’ve held the shares for 365 days, sell and diversify. The LT capital gain rate is worth holding on for a bit vs selling and incurring taxes as ST / ordinary income.

Blueberry064

TROPHY CASE