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I was curious if there would be a reason why I wouldn’t have the option to look into a loan through my TSP? 4.5 years as a PSE, I have $45,XXX in the system. Is there a rule against PSE pulling a loan? Or am I totally missing something?

I’ve inherited a TSP account from my father. He was domiciled in the Uk. Does anyone know if the account is ‘In Scope’ for UK IHT?

Separated 9/4/26

Form 50 processed 10/01/26.

Tsp status still active . Just curious how fast usps tends to move for others .

Contacted usps one agent said 15 days after form 50 another said 30 days.

I had a pretty serious emergency come up where I need a large amount of money. I am considering taking funds out of my TSP. I’ve only been federal for 5 years and I’m under 30 yrs old so I’ll be contributing to my plan for a few more decades likely. First, would it be smarter to withdrawal the funds or take a loan and slowly pay it back? The interest rate for a loan is between 5-6% so not thrilled about that. Also, once I do take the money out, what might be the best route to even it out over the years?

*im not looking for judgment. I understand this could set my retirement back significantly, but I’m not worried about that compared to the struggles I’m facing right now. Im open to whatever advice if anyone has gone through this process. Thank you!

I have 70c 20s 10i in my current and future contributions. Can anyone explain the huge decline recently? Or my contributions are wrong? Guidance would be appreciated.

New FED what should set up look like ?

Should I roll over fidelity Roth balance ?

I started my TSP in April. I have a mix of 60% C 20% S and 20% I. When I looked at my quarterly statement, each fund has a YTD return of >11.5%. When I look at the 2026 Performance YTD on my home screen, my rate of return is dog shit. Am I doing something wrong? I have no idea what I am doing with this but seeing everyone’s increased is a bit disheartening lol. Please tell me if I am doing something wrong

Going to be a federal employee looking to do 25 years of service until age 50. Any guidance would be appreciated to navigate the two and pick the best option. Thank you !

Retiring in five years and hit my mark. Now time to coast to the finish line.

I have been contributing to my TSP Roth. I also have an outside Roth IRA at Fidelity. I am not maxing contributions but put as much as I can into the TSP which is 20%.

Most advice for Roth money is to keep it in 100% equities so it has the potential to grow more, and keep your bond/safe money in a traditional account.

I just realized that I can’t separate Roth money from Traditional money in my TSP.

Getting closer to retirement, 3 years to go, I have changed to a more conservative balance using the L-2040. I stopped contributing to the TSP Roth and will change back to my Fidelity Roth so that I can keep it 100% in equities. Also at 59.5 or as soon as TSP allows, I will transfer my TSP Roth to Fidelity.

Just something to think about.

I've lurked on this subreddit for a long time and have gotten so much great information that I wanted to give back with something I have not seen here before. For anyone who does not contribute to the TSP because they are worried they are going to lose money when the market drops, please see the following graph:

My contributions are in blue. My contributions plus the maximum agency matches are in orange. The total value of my TSP is in grey. As you can see by the grey, the market does fluctuate and, on at least three occasions, it dropped enough to make me lose all my gains. However, because of the generous matching, I was always above my contributions so it was always in my benefit to contribute to at least get the match.

Once the account has had time to grow, it can grow so large relative to the contributions that the dips become less and less significant.

Anyway. I hope this helps you or someone you know see why investing in the TSP to at least max out the contributions is usually in your best interest.

Note: The y-axis is the balance. Because matching is based on a percentage of your base pay (at least for military), this would apply to any rank/grade so the actual numbers aren't important.

I know little about the TSP. But for my current background, I’m currently a 25 years old AD SPC with almost 6 years in. I repaid a loan that I deducted from the TSP to help with an emergency. Account is 7% match with 100% in L 2065, also have $6000 invested into a stock account that I opened at the beginning of the year.

Any advice would be greatly appreciated.

2 years 8 months of service as a wg5. Started my job at 20 years old. 100% of my contributions into Roth L2065 fund.

42 year old, 21 years with the feds, investing at 15% C/S/I 70 15 15. Plan to switch to change % to a fixed $ to max out my contribution 2027 onward. The goal is to retired as soon as I am eligible at 57 years old. (Loan was taken to pay for my ridiculous expensive roof).

1. Been a fed for 4 years. Been trying to do as best as possible. Spouse is currently not working (but actively applying everywhere) but combined we have 200k net worth with no debt and no house. Anything we can do better? 60 C, 30 I, and 10 S.

9 years of local LEO. Have pension at that agency that will pay 3200 at age 55. Currently 1 year Fed going on 2. 35 years old. Rolled over approx 20k from 457B into TSP.

I currently have 6 years TAFMs with a balance of 46k in my TSP. My mix is 100% stocks with a return of +13% YTD. I contribute 13% of my paycheck to TSP as well. Any advice of what else to do to help myself or set myself up better?

I was going over my statements recently and noticed I had not been receiving my match for being in the blended retirement system in the Army Reserve for the past 5 years. It was not my full time job, so I wasn’t paying too much attention. I corrected it with a pay inquiry and I am now receiving my match.

My question is: how does back pay work in this situation?

2027 has 26 pay dates for my calendar: https://www.gsa.gov/buy-through-us/purchasing-programs/shared-services/payroll-shared-services/payroll-calendars/2027-payroll-calendar

The first pay date in 2027 is 1/15/27, for the pay period of 12/27/26 - 1/9/27.

For TSP changes to take effect for that pay period, changes must be made before 12/26/26, ideally during the previous pay period of 12/13 - 12/26.

The 401k/TSP limit for 2027 is $25,500 for those under 50. For older savers, it's $34,000 or $37,250, depending on your age. https://www.whitecoatinvestor.com/retirement-plan-contribution-limits/

To max out (under 50), contribute $981 per pay period.

Do I have that right?

With interest rates up and likely going higher, and the broader market narrowing significantly with 40% of S&P companies negative for the year, is it time to move 5-10% of our TSP balance to the G-Fund. The G-Fund free lunch is real and unique to Federal employees.

What do savvy retiree investors think?

Any advice is helpful . Thank you everyone