Optimizing Retirement Portfolios and Thrift Savings Plans

The chapter explores the effectiveness of target date funds in retirement portfolios, weighing the benefits of diversification against guaranteed income sources like pensions. It also analyzes the choice between Roth TSP and traditional TSP for federal workers, discussing tax implications and fund options within the TSP. Furthermore, the discussion covers the simplicity of managing TSP funds and compares investing in bonds versus CDs for long-term financial security.