In this episode, Dan reflects on Social Security’s 90th anniversary, and how it complements FERS and TSP for a balanced retirement strategy, while Katelyn examines the G Fund’s safety, real returns, and why relying on it entirely can pose hidden risks.
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The Fed15 Podcast: Is the G Fund Really Safe? Plus, Social Security Turns 90
Dan marks Social Security’s 90th anniversary by revisiting why it was created and highlighting its 72 million beneficiaries. He breaks down the program’s key benefits and explains how, for federal employees, it complements FERS and TSP to create a well-rounded retirement strategy. Dan also reviews Commissioner Bisignano’s vision for Social Security, early progress in his first 100 days, and what it means for federal employees before looking ahead to the program’s next 90 years and the importance of thoughtful planning.
Katelyn then examines whether the G Fund is truly as safe as it seems. She explains what the fund is and why it’s often viewed as a low-risk option, before analyzing its real returns—since inception, over the past 10 years, 5 years, and year-to-date. Katelyn connects this to the hidden risks of being overly conservative, explores the impact of tax drag on modest gains, and underscores why the G Fund shouldn’t make up an entire retirement plan.
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