Not naming a beneficiary, resulting in your money going through the probate process which can be long and expensive.
Not naming a secondary beneficiary to provide for succession, should a primary beneficiary predecease you.
Naming your estate as the beneficiary, resulting in your fund going through the probate process which can be long and expensive.

Not periodically updating your beneficiary designations to reflect any changes in your wishes as situations change.
Inadvertently creating undesired distribution of money by naming one beneficiary for one account (for example, your TSP Fund), and naming another beneficiary for another account (for example your IRA), rather than naming both people as beneficiaries to both accounts.
Inadvertently cutting out your nieces or nephews from inheritance, if you name your brother or sister as beneficiary who predecease you.
Naming a minor as beneficiary, resulting in a possibly long and costly creation of a guardianship account.
Naming someone as beneficiary who lacks the ability to diligently manage a large sum of money.
Not keeping a copy of your beneficiary designation document accessible upon your death.
Not telling someone where they can find the copy of your beneficiary designation document when you cannot.

Federal Employees Thrift Savings Plan


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