"I think most people would be very surprised if we went into a long term where interest rates were declining," said Arthur Stein.

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All TSP funds ended in the black, with the highest increase being the I Fund at 3.3%, followed by the C and S Funds at 2.7% and 2.3%, respectively.

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Being aware of a few lesser-known tricks and pitfalls can help federal employees get the most out of their TSP, and subsequently, their retirement.

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