Government default and TSP rollover, Part II


Q. Regarding “Government default and TSP rollover” posted Oct. 15: He asked whether he should roll over his account to USAA and you said you wouldn’t. Could you explain more on why you wouldn’t and the benefits of leaving it in the Thrift Savings Plan account?

A. The TSP’s lower costs and access to the G Fund make it the best retirement investing vehicle available anywhere. You can configure portfolios with better risk-adjusted expected rates of return in the TSP than anywhere else. Of course, using the TSP’s attributes to your advantage is requisite to the choice.


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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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