Maximize TSP potential: Give federal employees better retirement outcomes with Pontera
More than 6 million federal employees rely on The Thrift Savings Plan (TSP), making it the largest defined contribution plan in the world.
With some of the lowest fees in the retirement space, the TSP offers built-in diversification through its five core funds, providing a solid foundation for long-term investing.
Despite its limited fund lineup, every $1 you invest in the TSP can grow to $10 in 35 years, completely on its own, thanks to the power of compound interest. Now, a new feature of the TSP is allowing for more options for retirement savers.
About the TSP Mutual Fund Window
As of summer 2024, eligible TSP participants can now choose to invest up to 25% of TSP savings in a Mutual Fund Window, allowing for a more diverse fund lineup.
Similar to brokerage windows in other employer- sponsored retirement accounts, the TSP Mutual Fund Window offers exclusive access to low-cost funds created specifically for federal employees, aiming to help participants maximize their retirement savings.
Advisors can now take a more active role in the management of TSP accounts by trading and rebalancing at a more frequent cadence.
Like any standard fund lineup, the Mutual Fund Window includes standard management fees—meaning more fees for clients to navigate. Without the help from a professional, a client could be paying more than they need to.
While federal employees now have more options in the TSP, making well-informed decisions on complex investments can be difficult without the proper knowledge. Pontera enables you to provide proactive investment advice on the entirety of the TSP account, including the Mutual Fund Window.
Why proactive management of TSP matters
Busy federal employees often lack the time or specialized expertise to optimize TSP allocations
The Mutual Fund Window gives advisors the opportunity to tailor portfolios, manage risk, and align with client goals, letting them take advantage of all tools available
As full-service partners, advisors can offer more comprehensive portfolio management by engaging with TSP accounts.
Pontera makes it possible
Secure management: Now your financial advisor can manage and trade within your TSP securely
Grow your retirement: Professionally managed accounts generate 3-4% higher returns per year.¹ Incorporate a holistic investment strategy into your retirement fund and watch it grow.