Catch-up contributions for TSP


Q. I’m maxing out my TSP contributions, including the catch-up contributions, now that I’ve hit 50. Given that catch-up contributions are neither pre-tax nor matched by the employer, doesn’t it make sense to make all catch-up contributions to a TSP Roth (which is also not pre-tax or matched) in order to take advantage of the tax-exempt growth those contributions will provide?

A. Your statement about the taxability of catch-up contributions to your Traditional TSP account is incorrect. These contributions are made with pre-tax dollars.


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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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