SIRMIUM CAPITAL
Veterans Financial Intelligence

The 3 TSP Mistakes
That Cost Veterans
$100,000+

None of them are obvious. All of them are fixable. But only if you know they exist.

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SIRMIUM CAPITAL
The 3 Mistakes

Three Common Decisions That Quietly
Cost Veterans Six Figures

01
Staying in the G Fund Default Forever
The G Fund is capital-safe but barely beats inflation. Starting in 2001, a 100% G Fund strategy would have returned roughly half of what a C Fund (S&P 500) strategy returned over the same period.
02
Rolling Everything Into a Traditional IRA on Separation
If you have any Roth TSP — especially from combat zone contributions — rolling it to a traditional IRA is a permanent mistake. Roth dollars lose their character in a traditional IRA.
03
Missing the Combat Zone Roth TSP Window
Every dollar you contribute to Roth TSP during a combat zone deployment is tax-free going in AND grows tax-free forever. Most service members find out after they've separated.
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The G Fund Math
$100K+
The approximate difference between a 20-year G Fund allocation
and a C Fund (S&P 500) allocation on a $100,000 starting balance.
The G Fund protects against loss. But "protecting against loss" over 20 years costs you a significant portion of what you could have built. The C Fund has volatility — but it has 20 years to smooth it out.
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SIRMIUM CAPITAL
The Rollover Decision

Keep TSP, Roll to IRA,
or Split — Which Is Right?

Keep TSP When:

Returning to federal service. Happy with C/S/I funds. Want creditor protection under federal law. Fees are 0.04% — almost impossible to beat.

Roll to IRA When:

Want REITs, real estate, individual stocks. Going private sector permanently. The split strategy: keep Traditional TSP, roll Roth TSP to Roth IRA.

The Split Strategy — What Most Veterans Land On

Keep traditional TSP for low fees. Roll Roth TSP to a Roth IRA to eliminate Required Minimum Distributions and protect the inheritance.

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CRDP / CRSC — Check This

If You're 50%+ Disabled,
This Changes Everything

⭐
CRDP — Concurrent Retirement and Disability Pay
At 50%+ VA disability, you can receive FULL military retirement AND FULL VA disability — simultaneously. No offset. Worth thousands per month for eligible veterans who don't know they qualify.
⚡
CRSC — Combat-Related Special Compensation
If your disability is combat-related, CRSC replaces the retirement pay offset — and the CRSC amount is tax-free. Apply through your branch service center. Many veterans never file.
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Free Calculator + 15-Min Call

Run Your VA Benefit
Stacking Numbers

The calculator shows your estimated monthly take-home combining VA disability, military retirement, civilian income, SBP, and state taxes. Free. 30 seconds. No email.

sirmiumcapital.com/calculators
VA Benefit Stacking tab  ·  No email required  ·  15-min call also available
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