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Thrift Savings Plan (TSP) Q&A


Guest baileyf16

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13 minutes ago, Guardian said:

Can the Roth tsp or regular tsp be moved prior to separation/retirement?

Don't think so.  I know you generally can't move a 401(k) if you're still in the job.  Pretty sure TSP follows the same rules, but if anyone has better information, I'm happy to learn.

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This was the case until the TSP modernization act in 2017 which took effect in 2019. Now the fees are higher than they were, such that the fees in my Fidelity holdings are substantially similar. IOW low fees as a reason to hold onto TSP is no longer valid. I’ll move my TSP Roth into my Roth IRA as soon as I separate.


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Ooh, I missed this. I’ll have to look into it. Thank you!
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  • 1 year later...
4 minutes ago, nsplayr said:

Good god whoever signed off on the new TSP site design should be shot.

I especially enjoy the complete lack of balance history. Having 0 idea of how my retirement savings have preformed in the years prior to the site rollover is exactly what I wanted.

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17 minutes ago, LiquidSky said:

I especially enjoy the complete lack of balance history. Having 0 idea of how my retirement savings have preformed in the years prior to the site rollover is exactly what I wanted.

I really love no longer getting a simple snapshot of my fund allocations. Instead it just says "100% stocks". Thanks, that's super helpful...

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This new TSP site is awful. I'm a knuckle-dragger, but I can only find basic account balances, not share price and shares. Anyone able to find a breakdown?

It seems like the only breakdown the new site is capable of is, “you put in some monies.”
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Holy god the new site is bad. One whole page just to show big ass buttons, a big ass picture of a dude sitting on his floor making arts and crafts, balance, and return YTD.

I'd like to know how many tens of millions of dollars they paid to create this abomination. 

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I recently separated and now that I have some options, I'm struggling to come up with any reason not to roll my TSP balance over into my IRA. The TSP used to win on cost but I don't think that's really the case any more. Seems like increasing the distance between Uncle Sam and your retirement dollars is always a good move, and even more so after this recent debacle. At least Vanguard/Schwab/T. Rowe Price/whoever know how to track a balance and provide a usable website. 

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22 minutes ago, mcbush said:

I recently separated and now that I have some options, I'm struggling to come up with any reason not to roll my TSP balance over into my IRA. The TSP used to win on cost but I don't think that's really the case any more. Seems like increasing the distance between Uncle Sam and your retirement dollars is always a good move, and even more so after this recent debacle. At least Vanguard/Schwab/T. Rowe Price/whoever know how to track a balance and provide a usable website. 

Historical TSP finds still have same low fees, new funds...not so much 

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3 hours ago, mcbush said:

I recently separated and now that I have some options, I'm struggling to come up with any reason not to roll my TSP balance over into my IRA. The TSP used to win on cost but I don't think that's really the case any more. Seems like increasing the distance between Uncle Sam and your retirement dollars is always a good move, and even more so after this recent debacle. At least Vanguard/Schwab/T. Rowe Price/whoever know how to track a balance and provide a usable website. 

The only argument I ever hear is the G fund can be a useful unicorn.  I see the point but I will roll my TSP to my Fidelity accounts at the earliest opportunity to reduce my withdrawal complexity down the road.

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26 minutes ago, nunya said:

The only argument I ever hear is the G fund can be a useful unicorn.  I see the point but I will roll my TSP to my Fidelity accounts at the earliest opportunity to reduce my withdrawal complexity down the road.

How?

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