The Thrift Savings Plan (TSP) is available to all U.S. government employees and is one of the most efficient and easy to understand retirement plans in use today. But while thousands of civilian and military employees defer a portion of their earnings into the plan each year, many participants do not understand the actual fund options available or are unsure which funds are appropriate for them.

The Thrift Savings Plan offers participants the options of income, capital preservation and growth. The annual investment expenses in TSP are among the lowest in the financial industry, and all of the funds are fully transparent.