Age-based TSP withdrawal


Q. I’m considering taking a 59 ½ age-based partial withdrawal from my TSP while still employed. What is available to me – just the money I’ve contributed, or the money I’ve contributed plus the amount contributed by the government?

A. Your withdrawal will limited to your vested balance. If you are a FERS employee, you are immediately vested in your own contributions, Agency Matching Contributions, and the earnings on those contributions, but you generally do not become vested in your Agency Automatic (1 percent) Contributions or the earnings on them until you have completed 3 years of service.


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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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