Returning to federal service


Q. I worked for the government for three  years a long time ago and returned recently. I will be eligible to retire at age 62 in about three years.  I plan to work until 67, if possible. Should I roll over the 401k funds that I have collected into the FERS system?  What are the advantages and disadvantages?

A. The TSP offers what is, in the opinion of many independent experts, the best retirement investment vehicle available anywhere. It offers low cost, ample diversification options, convenient management and the unique G Fund. I generally recommend that my clients move as much of their IRA and 401k money into the TSP as they can, and leave it there as long as possible.

About Author

Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to and view his blog at

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