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[TSP_Strategy] Tricks and Treats in Retirement

[TSP_Strategy] Tricks and Treats in Retirement

 

Tricks and Treats in Retirement

October 27, 2016

Halloween is right around the corner, so this week I'm focusing on tricks and treats in the retirement process. In this context, "trick" means sham, snow job, run around or double-cross.  "Treat" indicates a pleasant surprise or satisfactory result. Read the stories below, and see if you can predict which will turn out to be tricks and which will be treats.

Judy's husband passed away on Aug. 10 and the Office of Personnel Management was notified within two weeks of his death. Her husband was receiving a reduced Civil Service Retirement System benefit so Judy could get survivor's annuity benefits and continuation of health benefits if she outlived him. Did she get them?

Trick: Judy said she had notified OPM personally, but the agency treated the notification as though it had come from someone else. So OPM assumed she had already died, and asked her heirs for a copy of her death certificate, too. A phone call to OPM straightened out the confusion and Judy will soon be receiving the survivor's annuity that her late husband had provided for her along with continuation of his health insurance.

Delores is a recent widow who is planning her retirement under CSRS. She is hoping that her retirement along with the widow's benefit from her husband's Social Security will be enough for her to have a comfortable retirement. Will Delores be financially secure?

Trick: Assume Delores is 68 years old and is planning to retire in 2017 after 35 years of federal service. She will be entitled to a retirement benefit that will replace 66.25 percent of her high-three average salary of $71,250. Her unreduced retirement will be $47,203 a year or $3,933 per month. She has been receiving her deceased husband's Social Security retirement benefit since she turned 66. When she retires, Delores will be surprised to find out that her CSRS retirement will offset the amount of her Social Security widow's benefit, so she will no longer be entitled to this benefit. She had heard of the Government Pension Offsett, but wasn't aware that it would reduce her entitlement to her widow's benefit by two-thirds of her CSRS retirement. Her widow's benefit is $2,200 a month. Two-thirds of her $3,933 CSRS benefit will be $2,622 a month, which is more than the $2,200 widow's amount. Delores will receive her CSRS retirement, but will lose the entire widow's benefit.

John decided to compare his health plan choices this open season. He wonders if he can save money by taking advantage of the consumer driven health plans available to federal employees. Will he?

Treat: John decided to shift away from a traditional preferred provider organization health plan with a $350 deductible and average coinsurance payments of 15 percent for in-network and 35 percent for out-of-network coverage. He switched to a high deductible health plan that has much lower premiums and will save him close to $50 per pay period for self-only coverage. The new plan has a $1,500 deductible and only 5 percent coinsurance for in-network and 25 percent for out-of-network coverage. Although the deductible is high, the plan includes a health savings account that receives a monthly contribution of $62.50 from the insurance plan that will cover half of his deductible. John plans to contribute an additional $2,650 in 2017 to the HSA account, which will lower his taxable income next year. If he doesn't spend the money in his HSA on health care next year, he gets to keep it to use in future years. If he spends the money for eligible expenses, it comes out of the HSA tax-free.

Ben, who is divorced, wants to retire from a large city and move to a smaller town that is closer to his family and located where he would like to live in retirement. He doesn't have a job lined up, but since he is eligible to retire, he isn't too concerned. He would eventually like to be rehired in a federal position. Ben is wondering if he can suspend his retirement if he begins his second career of federal service so that he can later retire based on both his first and second period of federal service. Can he?

Trick: The complicating factor for Ben is that it turns out his ex-wife will be entitled to 50 percent of his retirement as a result of their divorce agreement. That payment will begin upon Ben's retirement. Under federal reemployment rules, Ben's retirement benefit, along with the portion paid to his former spouse, will continue even if he is rehired into a new federal position, because he voluntarily retired from his former job. His new federal salary will be reduced by the amount of his full retirement benefit if he is reemployed in a full-time position. There are certain situations where retirees can be rehired as federal employees without the salary offset, but these arrangements have to meet specific requirements. To learn more, read about reemployed annuitants and dual compensation waivers.

Ronald has maximized the tax deferral of his salary in his Thrift Savings Plan. He plans to retire at the end of March next year. He will have six pay periods to make TSP contributions in 2017. Can he save his entire 2017 salary in the TSP if he has other savings that he can use to pay his living expenses?

Treat: Ronald would like to contribute as much of the maximum $18,000 elective deferral limit for 2017 as he can to the Thrift Savings Plan before he retires. Luckily for him, the percentage limitations were lifted from TSP contributions in 2006, which means that employees can contribute up to 100 percent of their basic pay to the TSP. A word of caution for those who want to select a dollar amount to contribute rather than a percentage of pay: If the amount you choose is too high to allow for mandatory deductions for retirement and insurance withholding, you may not have any TSP contributions withheld from your salary for that pay period. If you plan to use Ronald's strategy, it's best to select a percentage contribution rather than a dollar amount that might be too high.

Photo: Pauls Imaging Photography, via Flickr


October 27, 2016

Tricks and Treats in Retirement


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Posted by: sarah_oz@yahoo.com
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Neither the TSP Strategy group, nor individual members, are licensed or authorized to provide investment advice. Any statements made herein merely reflect the personal opinions of the individual group member. Please make your own investment decisions based upon your personal circumstances.

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[TSP_Strategy] Re: Current Trend

[TSP_Strategy] Re: Current Trend

 


Michael,

We are entering the traditionally "sweet" season for the markets.  Yet, to date, the C fund has been bearish since August.  The S fund has been bearish since early September.  And the Dow Theory remains bearish.

I agree that markets are assuming impending higher rates, which has also been bearish for bonds.

That said, equities may continue to fall, short term, on several bases.  First, valuation is high.  Second, higher interest rates are anticipated.  Third, quarterly profits have been disappointing in many cases.

Should equities continue to fall, there should be less pressure to raise interest rates, which would benefit bonds.  Further, if profits continue to disappoint, there may eventually be calls (believe it or not) for added stimulus.  Political roiling is another factor in the mix that may provide greater interest in bonds, particularly over the next week or so.

For these reasons, I don't see the need to move to G.

That said, should we see a sharp decline in equities over the coming weeks, I may be inclined to return to stocks.





Sarah,

I agree about stocks appear to be skating on cracking ice once again.  

You might want to consider moving to the G fund soon since it does not incur capital losses when interest rates rise.  If rates remain flat, its interest rates match the TSP F fund's current yield.  

I think the longest bull market in history (bonds) hit its top recently.  The central banks in Europe and Japan appear to have capitulated in forcing rates lower.  I posted a chart of the German 10-year bund in my recent post.

If the stock market corrects soon (and the odds are increasing), you might see a short term bump in the F fund, but I think the long trend trend in lower interest rates is over. 

__._,_.___

Posted by: sarah_oz@yahoo.com
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Neither the TSP Strategy group, nor individual members, are licensed or authorized to provide investment advice. Any statements made herein merely reflect the personal opinions of the individual group member. Please make your own investment decisions based upon your personal circumstances.

.

__,_._,___
[TSP_Strategy] Fixed Income Sector Performance

[TSP_Strategy] Fixed Income Sector Performance

 

Fixed Income Sector Performance (Total Return as of 9/30/16)

Chart of the Week for October 28, 2016 - November 3, 2016

All 11 fixed income sectors posted positive returns in the 1-year period ended September 30, 2016. In contrast, eight of the 11 sectors rose in the 1-year period ended September 30, 2015.

The fixed income market includes many different types of securities and performance can vary substantially among them. The chart above compares the performance of 11 major fixed income sectors for the 1-year periods ended September 30, 2016 ("current year" — dark blue bars above) and September 30, 2015 ("prior year" — light blue bars above). All 11 fixed income sectors shown produced positive returns for the current year while eight of the 11 sectors produced positive returns in the prior year.

Long-Term Corporate and Emerging Markets were the best performing sectors in the current year with returns of 15.70% and 13.93%, respectively. Tepid economic growth, the U.S Federal Reserve ("Fed") not raising the target rate range of the Fed Funds Rate, and strong levels of issuance helped fixed income performance. Global fiscal stimulus, including China, helped Emerging Markets securities. Long-Term outperformed Short-Term in both Government and Corporate sectors as long-term rates fell and short-term rates rose. The largest change from negative to positive performance occurred in High Yield, which went from -3.43% in the prior year to 12.73% in the current year. The recovery in the price of oil helped issuers in that sector.

Performance fluctuates over time and is hard to predict. Changes in both actual and expected interest and inflation rates can materially impact fixed income investments. Also, investors should note that even U.S. Government securities can decline in value and investing in sectors such as High Yield or Emerging Markets involve additional risk.

When making investment decisions, prudent investors should invest based on their own circumstances taking into consideration their goals, investment experience, time horizon, and risk tolerance.

__._,_.___

Posted by: sarah_oz@yahoo.com
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Neither the TSP Strategy group, nor individual members, are licensed or authorized to provide investment advice. Any statements made herein merely reflect the personal opinions of the individual group member. Please make your own investment decisions based upon your personal circumstances.

.

__,_._,___
[TSP_Strategy] 2017 TSP Limits Unchanged

[TSP_Strategy] 2017 TSP Limits Unchanged

 

  • The contribution limit for employees who participate in 401(k), 403(b), most 457 plans, and the federal government's Thrift Savings Plan remains unchanged at $18,000.
  • The catch-up contribution limit for employees aged 50 and over who participate in 401(k), 403(b), most 457 plans, and the federal government's Thrift Savings Plan remains unchanged at $6,000.


IRS Announces 2017 Pension Plan Limitations; 401(k) Contribution Limit Remains Unchanged at $18,000 for 2017

IR-2016-141, Oct. 27, 2016

WASHINGTON — The Internal Revenue Service today announced cost‑of‑living adjustments affecting dollar limitations for pension plans and other retirement-related items for tax year 2017.
The IRS today issued technical guidance detailing these items in Notice 2016-62.

Highlights of changes for 2017

The income ranges for determining eligibility to make deductible contributions to traditional Individual Retirement Arrangements (IRAs), to contribute to Roth IRAs, and to claim the saver's credit all increased for 2017.

Taxpayers can deduct contributions to a traditional IRA if they meet certain conditions.  If during the year either the taxpayer or their spouse was covered by a retirement plan at work, the deduction may be reduced, or phased out, until it is eliminated, depending on filing status and income. (If neither the taxpayer nor their spouse is covered by a retirement plan at work, the phase-outs of the deduction do not apply.)    Here are the phase-out ranges for 2017:

  • For single taxpayers covered by a workplace retirement plan, the phase-out range is $62,000 to $72,000, up from $61,000 to $71,000.
  • For married couples filing jointly, where the spouse making the IRA contribution is covered by a workplace retirement plan, the phase-out range is $99,000 to $119,000, up from $98,000 to $118,000.
  • For an IRA contributor who is not covered by a workplace retirement plan and is married to someone who is covered, the deduction is phased out if the couple's income is between $186,000 and $196,000, up from $184,000 and $194,000.
  • For a married individual filing a separate return who is covered by a workplace retirement plan, the phase-out range is not subject to an annual cost-of-living adjustment and remains $0 to $10,000.

The income phase-out range for taxpayers making contributions to a Roth IRA is $118,000 to $133,000 for singles and heads of household, up from $117,000 to $132,000.  For married couples filing jointly, the income phase-out range is $186,000 to $196,000, up from $184,000 to $194,000.  The phase-out range for a married individual filing a separate return who makes contributions to a Roth IRA is not subject to an annual cost-of-living adjustment and remains $0 to $10,000.

The income limit for the saver's credit (also known as the retirement savings contributions credit) for low- and moderate-income workers is $62,000 for married couples filing jointly, up from $61,500; $46,500 for heads of household, up from $46,125; and $31,000 for singles and married individuals filing separately, up from $30,750.

Highlights of limitations that remain unchanged from 2016

  • The contribution limit for employees who participate in 401(k), 403(b), most 457 plans, and the federal government's Thrift Savings Plan remains unchanged at $18,000.
  • The catch-up contribution limit for employees aged 50 and over who participate in 401(k), 403(b), most 457 plans, and the federal government's Thrift Savings Plan remains unchanged at $6,000.
  • The limit on annual contributions to an IRA remains unchanged at $5,500.  The additional catch-up contribution limit for individuals aged 50 and over is not subject to an annual cost-of-living adjustment and remains $1,000.

Detailed description of adjusted and unchanged limitations

Section 415 of the Internal Revenue Code (Code) provides for dollar limitations on benefits and contributions under qualified retirement plans.  Section 415(d) requires that the Secretary of the Treasury annually adjust these limits for cost‑of‑living increases.  Other limitations applicable to deferred compensation plans are also affected by these adjustments under Section 415.  Under Section 415(d), the adjustments are to be made following adjustment procedures similar to those used to adjust benefit amounts under Section 215(i)(2)(A) of the Social Security Act.

Effective January 1, 2017, the limitation on the annual benefit under a defined benefit plan under Section 415(b)(1)(A) is increased from $210,000 to $215,000.  For a participant who separated from service before January 1, 2017, the limitation for defined benefit plans under Section 415(b)(1)(B) is computed by multiplying the participant's compensation limitation, as adjusted through 2016, by 1.0112.

The limitation for defined contribution plans under Section 415(c)(1)(A) is increased in 2017 from $53,000 to $54,000.

The Code provides that various other dollar amounts are to be adjusted at the same time and in the same manner as the dollar limitation of Section 415(b)(1)(A).  After taking into account the applicable rounding rules, the amounts for 2017 are as follows:

The limitation under Section 402(g)(1) on the exclusion for elective deferrals described in Section 402(g)(3) remains unchanged at $18,000.

The annual compensation limit under Sections 401(a)(17), 404(l), 408(k)(3)(C), and 408(k)(6)(D)(ii) is increased from $265,000 to $270,000.

The dollar limitation under Section 416(i)(1)(A)(i) concerning the definition of key employee in a top-heavy plan is increased from $170,000 to $175,000.

The dollar amount under Section 409(o)(1)(C)(ii) for determining the maximum account balance in an employee stock ownership plan subject to a 5‑year distribution period is increased from $1,070,000 to $1,080,000, while the dollar amount used to determine the lengthening of the 5‑year distribution period is increased from $210,000 to $215,000.

The limitation used in the definition of highly compensated employee under Section 414(q)(1)(B) remains unchanged at $120,000.

The dollar limitation under Section 414(v)(2)(B)(i) for catch-up contributions to an applicable employer plan other than a plan described in Section 401(k)(11) or Section 408(p) for individuals aged 50 or over remains unchanged at $6,000.  The dollar limitation under Section 414(v)(2)(B)(ii) for catch-up contributions to an applicable employer plan described in Section 401(k)(11) or Section 408(p) for individuals aged 50 or over remains unchanged at $3,000.

The annual compensation limitation under Section 401(a)(17) for eligible participants in certain governmental plans that, under the plan as in effect on July 1, 1993, allowed cost‑of‑living adjustments to the compensation limitation under the plan under Section 401(a)(17) to be taken into account, is increased from $395,000 to $400,000.

The compensation amount under Section 408(k)(2)(C) regarding simplified employee pensions (SEPs) remains unchanged at $600.

The limitation under Section 408(p)(2)(E) regarding SIMPLE retirement accounts remains unchanged at $12,500.

The limitation on deferrals under Section 457(e)(15) concerning deferred compensation plans of state and local governments and tax-exempt organizations remains unchanged at $18,000.

The limitation under Section 664(g)(7) concerning the qualified gratuitous transfer of qualified employer securities to an employee stock ownership plan remains unchanged at $45,000.

The compensation amount under Section 1.61‑21(f)(5)(i) of the Income Tax Regulations concerning the definition of "control employee" for fringe benefit valuation remains unchanged at $105,000.  The compensation amount under Section 1.61‑21(f)(5)(iii) remains unchanged at $215,000.

The dollar limitation on premiums paid with respect to a qualifying longevity annuity contract under Section 1.401(a)(9)-6, A-17(b)(2)(i) of the Income Tax Regulations remains unchanged at $125,000.

The Code provides that the $1,000,000,000 threshold used to determine whether a multiemployer plan is a systemically important plan under Section 432(e)(9)(H)(v)(III)(aa) is adjusted using the cost-of-living adjustment provided under Section 432(e)(9)(H)(v)(III)(bb).  After taking the applicable rounding rule into account, the threshold used to determine whether a multiemployer plan is a systemically important plan under Section 432(e)(9)(H)(v)(III)(aa) remains unchanged for 2017 at $1,012,000,000.

The Code also provides that several retirement-related amounts are to be adjusted using the cost-of-living adjustment under Section 1(f)(3).  After taking the applicable rounding rules into account, the amounts for 2017 are as follows:

The adjusted gross income limitation under Section 25B(b)(1)(A) for determining the retirement savings contribution credit for married taxpayers filing a joint return remains unchanged at $37,000; the limitation under Section 25B(b)(1)(B) remains unchanged at $40,000; and the limitation under Sections 25B(b)(1)(C) and 25B(b)(1)(D) is increased from $61,500 to $62,000.

The adjusted gross income limitation under Section 25B(b)(1)(A) for determining the retirement savings contribution credit for taxpayers filing as head of household remains unchanged at $27,750; the limitation under Section 25B(b)(1)(B) remains unchanged at $30,000; and the limitation under Sections 25B(b)(1)(C) and 25B(b)(1)(D) is increased from $46,125 to $46,500.

The adjusted gross income limitation under Section 25B(b)(1)(A) for determining the retirement savings contribution credit for all other taxpayers remains unchanged at $18,500; the limitation under Section 25B(b)(1)(B) remains unchanged at $20,000; and the limitation under Sections 25B(b)(1)(C) and 25B(b)(1)(D) is increased from $30,750 to $31,000.

The deductible amount under Section 219(b)(5)(A) for an individual making qualified retirement contributions remains unchanged at $5,500.

The applicable dollar amount under Section 219(g)(3)(B)(i) for determining the deductible amount of an IRA contribution for taxpayers who are active participants filing a joint return or as a qualifying widow(er) increased from $98,000 to $99,000.  The applicable dollar amount under Section 219(g)(3)(B)(ii) for all other taxpayers who are active participants (other than married taxpayers filing separate returns) increased from $61,000 to $62,000.  If an individual or the individual's spouse is an active participant, the applicable dollar amount under Section 219(g)(3)(B)(iii) for a married individual filing a separate return is not subject to an annual cost-of-living adjustment and remains $0.  The applicable dollar amount under Section 219(g)(7)(A) for a taxpayer who is not an active participant but whose spouse is an active participant is increased from $184,000 to $186,000.

The adjusted gross income limitation under Section 408A(c)(3)(B)(ii)(I) for determining the maximum Roth IRA contribution for married taxpayers filing a joint return or for taxpayers filing as a qualifying widow(er) is increased from $184,000 to $186,000.  The adjusted gross income limitation under Section 408A(c)(3)(B)(ii)(II) for all other taxpayers (other than married taxpayers filing separate returns) is increased from $117,000 to $118,000.  The applicable dollar amount under Section 408A(c)(3)(B)(ii)(III) for a married individual filing a separate return is not subject to an annual cost-of-living adjustment and remains $0.

The dollar amount under Section 430(c)(7)(D)(i)(II) used to determine excess employee compensation with respect to a single-employer defined benefit pension plan for which the special election under Section 430(c)(2)(D) has been made is increased from $1,106,000 to $1,115,000.


__._,_.___

Posted by: sarah_oz@yahoo.com
Reply via web post Reply to sender Reply to group Start a New Topic Messages in this topic (1)

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Neither the TSP Strategy group, nor individual members, are licensed or authorized to provide investment advice. Any statements made herein merely reflect the personal opinions of the individual group member. Please make your own investment decisions based upon your personal circumstances.

.

__,_._,___
[TSP_Strategy] Re: Current Trend

[TSP_Strategy] Re: Current Trend

 

Sarah,

I agree about stocks appear to be skating on cracking ice once again.  

You might want to consider moving to the G fund soon since it does not incur capital losses when interest rates rise.  If rates remain flat, its interest rates match the TSP F fund's current yield.  

I think the longest bull market in history (bonds) hit its top recently.  The central banks in Europe and Japan appear to have capitulated in forcing rates lower.  I posted a chart of the German 10-year bund in my recent post.



If the stock market corrects soon (and the odds are increasing), you might see a short term bump in the F fund, but I think the long trend trend in lower interest rates is over.  

Cheers,

Michael
TSPsmart.com

__._,_.___

Posted by: Michael Bond <michaelhbond@yahoo.com>
Reply via web post Reply to sender Reply to group Start a New Topic Messages in this topic (3)

Have you tried the highest rated email app?
With 4.5 stars in iTunes, the Yahoo Mail app is the highest rated email app on the market. What are you waiting for? Now you can access all your inboxes (Gmail, Outlook, AOL and more) in one place. Never delete an email again with 1000GB of free cloud storage.

Neither the TSP Strategy group, nor individual members, are licensed or authorized to provide investment advice. Any statements made herein merely reflect the personal opinions of the individual group member. Please make your own investment decisions based upon your personal circumstances.

.

__,_._,___
[TSP_Strategy] Re: Current Trend

[TSP_Strategy] Re: Current Trend

 

We should continue to track lower short-term.  Bonds have also been hit hard today but appear to have more support at their present level than do stocks.

__._,_.___

Posted by: sarah_oz@yahoo.com
Reply via web post Reply to sender Reply to group Start a New Topic Messages in this topic (2)

Have you tried the highest rated email app?
With 4.5 stars in iTunes, the Yahoo Mail app is the highest rated email app on the market. What are you waiting for? Now you can access all your inboxes (Gmail, Outlook, AOL and more) in one place. Never delete an email again with 1000GB of free cloud storage.

Neither the TSP Strategy group, nor individual members, are licensed or authorized to provide investment advice. Any statements made herein merely reflect the personal opinions of the individual group member. Please make your own investment decisions based upon your personal circumstances.

.

__,_._,___
[TSP_Strategy] Current Trend

[TSP_Strategy] Current Trend

 

Hi Sarah - 

Looks like the price of S is now where we were in July.  Any thoughts on if that is meaningful in terms of the technicals?

Thanks!

__._,_.___

Posted by: timedtrade@gmail.com
Reply via web post Reply to sender Reply to group Start a New Topic Messages in this topic (1)

Have you tried the highest rated email app?
With 4.5 stars in iTunes, the Yahoo Mail app is the highest rated email app on the market. What are you waiting for? Now you can access all your inboxes (Gmail, Outlook, AOL and more) in one place. Never delete an email again with 1000GB of free cloud storage.

Neither the TSP Strategy group, nor individual members, are licensed or authorized to provide investment advice. Any statements made herein merely reflect the personal opinions of the individual group member. Please make your own investment decisions based upon your personal circumstances.

.

__,_._,___
Re: [TSP_Strategy] Sideline

Re: [TSP_Strategy] Sideline

 

MODERATOR!!!!!



From: "mirandarts@bellsouth.net [TSP_Strategy]" <TSP_Strategy@yahoogroups.com>
To: TSP_Strategy@yahoogroups.com
Sent: Tuesday, October 25, 2016 10:24 PM
Subject: Re: [TSP_Strategy] Sideline

 
I'm sorry Darren Buffett.  Did I ruffle your feathers with a question?  I hear you that smart money has been selling but, there is a crap load of smart money still in the game.  Just a question there Ace.  I'm not a market follower so thought I'd ask.  If my future question bothers you just hit print and shove it. (ie-where it doesn't shine) 

to the rest of the group my apologies it was a question a gripe.  


__._,_.___

Posted by: robert winfield <winfield100@yahoo.com>
Reply via web post Reply to sender Reply to group Start a New Topic Messages in this topic (6)

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Neither the TSP Strategy group, nor individual members, are licensed or authorized to provide investment advice. Any statements made herein merely reflect the personal opinions of the individual group member. Please make your own investment decisions based upon your personal circumstances.

.

__,_._,___