Q: Currently I’m a FERS employee at the U.S. Postal Service and I may be going on active duty for an extended period. I currently contribute the maximum to TSP through the civilian side of TSP. On active duty, I could continue my contributions up to the IRS maximum of $16,500, but I don’t know if I should.
The Post Office matches 5 percent (providing I put in that much). I would lose that contribution for the year I’m away. I know I have 30 days when I come back from active duty to catch up to the full $16,500 minus what I will have put in from my military TSP from that year.
A: Continue your contributions during your military service and then resume on the civilian side when your return, staying on pace to maximize your contributions for the year.