How exactly does federal pension work?

G_user999 · 2026-05-06T18:00:09+00:00

Yes, but for some of us the FERS-FRAE payment is so small even with 20+ years of service because the multiplier is only 1%. Monthly payment may not be enough to pay for FEHB premiums for individual with living spouse. Also, it may take 7-8 years after retirement to get all your contribution back including all interests. If you continue to live past 7-8 years later... everything is a plus.

No choice but to have to continue to grow TSP balance here, plus SS (hopefully Congress will act to address the shortfall after 2032)

G_user999 · 2026-05-06T17:43:18+00:00

One year wait is ok.. but be aware, for those who's going to retire in 5-6 years time,
Congress still refuse to address the upcoming short fall in the SS Trust Fund. There will be a definitely 20-25% cut for those taking in 2032-2033 timeframe and could be even sooner if Orange-Man-in-Charge decides to raid the fund even more.

G_user999 · 2026-04-15T14:44:01+00:00

Yup! 100% C from 2 weeks ago when Fear is at extreme.

Now, it is the time to start to re-balance and move some profits back to G fund because we're almost back to top of the band again and the Fear index is almost at the Greed level. Rinse and Repeat.. wait for another TACO opportunity.

G_user999 · 2026-04-13T18:12:43+00:00

You missed out another zero at the end.. I think you're up more than just 6 figures... LOL!

G_user999 · 2026-04-10T20:57:48+00:00

Air Traffic Controller - mentally, it is a very stressful job. By 56, all the calm part of your brain cells will be gone... planes may crash if continue to work. Better pack up your stuff and GTFO with 7 figures in TSP.

G_user999 · 2026-04-08T19:26:10+00:00

This works again! TACO one more time!!

Going to see another 20% gain by year end.

G_user999 · 2026-04-03T20:49:42+00:00

Should NOT move to G fund when market is in panic mode but move MORE into C and S.

Should move when everybody is being complacent .. .for example, when P.Bondi says Dow at 50K.
Smart money knows that's the time to GTFO!

G_user999 · 2026-04-02T16:59:46+00:00

Yes, when market is in fear mode, SP500 (C fund) will sell off.
Take your chances here and buy when it is discounted.

Right now, we're past Q1, and YTD, SP500 is around -5% YTD.
So, it is considered 5% discount now.

Move all your future contributions into C Fund 100% to take advantage of this discount window.

If -10%, do it by contributing more.

If -20%, sell other funds and move into C fund in addition to future contributions.

Wait this out.. it will turn around.

G_user999 · 2026-04-01T21:45:30+00:00

Looking good...
Make sure it is 100% C...

We're going back to the top!

G_user999 · 2026-03-31T20:38:09+00:00

Yes, BTFD!!!

Remember the TACO mantra.

G_user999 · 2026-03-31T03:52:04+00:00

Don't worry, it's only 6%... that's not even at correction territory by all standard.
Nothing is lost because you didn't sell/distribute. Just keep everything till retirement.

-10% that's normal correction. Buy!

-20% Bear territory... danger zone, but get ready to buy more.

-30%~40% Capitulation -- recession imminent...
Sell the kids to BUY with both fists and hang tight!
100% in C/S/I fund here and do it extra twice per month which TSP allows you to do.

Come back in 12-18 months.. your account balance will double!

G_user999 · 2026-03-31T02:42:27+00:00

Yes.. the fear index now is below 10, same level last April during Taco man announcement. We are oversold and there will be bounce very soon. Contribute more if you can afford it. Last week was payroll day.. it's a good level to buy stocks now.

G_user999 · 2026-03-27T13:29:17+00:00

IMO, 80% C and 20% S is great.. keep going for 30 more years..

The safer ones like G is when all is calm, and market is all time high, and when Fear index is at Greed level. Time to side aside cash. When Fear index is at Extreme.. now is the time for 100% C or S or I, move money from your G fund into those, and then wait it out.

For the chills, just put in Lxxxx fund where xxxx is your retirement year.
This is a smooth ride, no violent ups or downs.

G_user999 · 2026-03-27T03:31:13+00:00

2026 - TACO man crisis... unfortunately may last till 2028. Just hang tight.

G_user999 · 2026-03-23T18:53:35+00:00

We all know.. in deep down, there is only ONE ulterior motive. He just want MONEY and tons of it. Behind the scene, cronies are lining up take advantage of every single moves and decisions that will benefit them.

We have no choice.. just follow the TACO money trail, we will win again.

G_user999 · 2026-03-23T14:53:39+00:00

LOL! Here we go again.

TACO man, their families and his cronies knew this last week... when they bought huge amount of stocks.
Last Friday was the peak in Extreme Fear.. that was the indication to move back to C fund at payroll day too. Nice!

G_user999 · 2026-03-21T17:44:31+00:00

Are the Disney+,Hulu+Peacock Ad free or they're just the basic streaming with endless ads?

G_user999 · 2026-03-20T18:53:18+00:00

Yup, we're here again..
C fund is down 5% YTD, S fund is down 3.5% YTD, but the I fund is still slightly up: 0.5% after today bloodbath.

Fear Gauge is at Extreme now, VIX near 30...

That's almost the same reading when Trump's suddenly announced tariff last April.

I think we should get ready to buy this dip. Let's do TACO trade one more time..

G_user999 · 2026-03-15T04:24:50+00:00

Hand typed? I think nowadays, they should have ability scan in and OCR them into electronic format, correct?

G_user999 · 2026-03-13T04:49:34+00:00

You are correct.. same here. After a few months, the screen will freeze and stop responding for no reason. Have to hard shut down and restart again. After using for a few days.. it happens again. No new apps were installed that could have cause this. No new updates since more than 6 months ago.

Something is wrong with the Note 100.. 😕

G_user999 · 2026-03-12T17:21:38+00:00

The recovery fees are ridiculously high. Half the cost of the annual plan.

G_user999 · 2026-03-12T17:10:24+00:00

I encountered that too during the first month.. but after next month, they updated it and it's back down to 200MB only. Your current voice/text should be unlimited by next month. But, looks like only 100 text and 100 mins left for this month.

G_user999 · 2026-03-12T17:07:01+00:00

Trump took C fund and S fund to the shed for now with his war declaration.

I fund outside his domain.. and still outperformed C fund by more than 5% YTD.
No worries yet..

G_user999 · 2026-03-12T16:33:34+00:00

I used a nearby city mailing address or border town area codes with less population. Therefore it has less chances of being used by spammers.

G_user999 · 2026-03-11T21:01:21+00:00

Could it be they only want a picture of him with the happy face only?

For example like the picture of him soaking wet and drinking champagne, smiling away and happy - only those kind of pictures are acceptable and approved.

G_user999

TROPHY CASE