Fred Business Fred Retirement Fred

IF YOU’RE YOUNGER THAN 45,

RETIREMENT SEEMS FAR AWAY

But you could be missing out on $1,000s in matching money from your agency right now if you aren’t contributing at least 5% of your salary to your TSP account. And you can never get that money back.

START YOUNG

Your youth is your biggest ally when it comes to the growth of your retirement savings. Wait too long, and it will be much harder to catch up. If you’re unsure where to start, why not Take FIVE for Your Future?

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Fred is in his cubicle.

FIVE PERCENT

On top of your salary, your agency will also contribute up to 5% of your pay to your TSP account each paycheck. But you only get the full amount if you contribute at least 5% too. Can’t afford 5%? Every $1 makes a difference.

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Fred is in his office.

Five Funds

The TSP’s strength is its simplicity. Choose from: 5 core funds you can mix and match, and 5 Lifecycle funds that are professionally designed based on when you’ll need your money.

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Fred is leading the meeting.

Agency payroll systems
Employee Express
myPay
LiteBlue
EBIS
NFC EPP

FIVE MINUTES

You're already enrolled, so making changes is easy.
Sign into your agency’s electronic payroll system and choose
the "Thrift Savings Plan" option. Or complete Form TSP-1
and send it to your agency’s payroll or benefits office.
Call us at 1-877-968-3778 and choose option 3 for help.

Fred is enjoying retirment at the beach.

THE BOTTOM LINE

Contribute at least 5%. Choose from 5 funds. Make changes in 5 minutes.

Consistent and early saving can mean the difference between a comfortable retirement and a difficult one. It’s a lot easier if you start while you’re young.

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