Frequently Asked Questions
Roth or Traditional TSP - which should I choose?
Roth TSP is post-tax with tax-free growth and is generally better if you expect to be in a higher tax bracket in retirement, or if you want to contribute combat-zone pay tax-free. Traditional TSP reduces current taxable income and is better if you expect a lower bracket in retirement.
How does the BRS match vest?
The matching portion (up to 4%) vests after 2 years of service. The 1% automatic contribution vests after 3 years. Separation before vesting forfeits the unvested government contributions.
When can I withdraw from TSP without penalty?
In-service withdrawals are penalty-free at age 59.5. Required Minimum Distributions start at age 73 (age 75 for those born in 1960 or later). Early separation before 59.5 may qualify for penalty-free withdrawals if separated in the year you turn 55 or later.
What funds are available in TSP?
G Fund (government securities), F Fund (bond index), C Fund (S&P 500), S Fund (small/mid-cap index), I Fund (international index), and L Funds (lifecycle target-date funds that hold combinations of the above).
Can I contribute to TSP and a Roth IRA?
Yes - TSP and IRA contribution limits are separate. In 2026, you can contribute up to $24,500 to TSP and up to $7,000 (plus $1,000 catch-up if 50+) to a Roth or Traditional IRA, subject to income limits on the Roth IRA.
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