MRA and TSP withdrawal penalties


Q. I am a FERS employee with the Postal Service and will have 30 years of service at age 57. Can I withdraw from my Thrift Savings Plan without penalty if I have reached my minimum retirement age?

A. Your MRA has no effect on TSP withdrawal penalties. After you retire, you’ll have access to your TSP account without penalty. While you’re still working, you’ll have to wait until you reach age 59½ to avoid the penalty.


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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

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