In this episode, Jen and Dan go over managing taxes as income stacks up in retirement and whether heavy reliance on U.S. stocks in the TSP adds unnecessary risk. They cover how to avoid tax surprises through proper withholding and how international diversification through the TSP I Fund may help balance long-term portfolio risk.
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The Fed15 Podcast | Ep. 148 Managing FERS Tax Withholding + Should Feds Diversify Beyond U.S. Stocks?
Jen breaks down how federal retirees can stay in control of their tax withholding in retirement as income sources stack up, including FERS, Social Security, TSP, and part-time work. She explains how to avoid tax surprises, when to use estimated payments, and how to adjust withholding using Form W-4P so cash flow stays aligned with actual tax liability.
Dan explores whether federal employees are too concentrated in U.S. equities through the TSP C Fund and what international diversification actually adds to a retirement portfolio. He covers the role of the TSP I Fund, the tradeoffs of global exposure, and why consistency matters more than reacting to short-term market performance.
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