Dan and Katelyn discuss two important topics for federal employees: how to use the TSP G Fund strategically and what steps to take if workforce reductions become a possibility.
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Katelyn breaks down how the TSP G Fund works and why it plays a unique role in federal retirement planning. She explains what “risk-free” means in the context of the G Fund, why stability alone may not be enough for long-term retirement success, and how to balance safety with growth. She also discusses when the G Fund makes sense—such as for near-term spending, risk management, and rebalancing—and why relying too heavily on it could limit long-term portfolio growth.
Dan shifts the conversation to workforce uncertainty and what federal employees should understand about reduction-in-force (RIF) procedures. He explains how retention standing is calculated, why reviewing personnel records is critical, and what steps employees can take to prepare before a RIF notice ever arrives. He also covers key considerations around appeals, retirement options like VERA or discontinued service retirement, and the importance of documenting communications and deadlines when navigating potential personnel actions.
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