Rollover IRA vs. TSP


Q. I have a rollover IRA with Fidelity with approximately $75,000 at current market rates. I am wondering if it is better to transfer this money to my Thrift Savings Plan or leave it where it is? I have eight years until I retire at age 66. What do you recommend?

A. Since the TSP offers expected investment performance superior to what you’ll find anywhere else, I recommend that you transfer as much of your portfolio as possible into the TSP and keep it there for as long as possible.


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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

1 Comment

  1. herbert gary maxwell on

    99.99% (my guess) of persons investing in TSP will not be able to get a better return than TSP. Just look at well the F fund has performed since 1988 and, in particular, look at the F fundover the past 12 months. I am not one of the many experts but I have been an investor for over 40 years and I read on a daily basis stocks, bonds and interest rates.

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