VCP loan


Q. I have approximately $125,000 in contributions plus about $50,000 in earnings in my VCP account. I need about $110,000 from my account. Can I borrow in the form of a loan from my account, or do I have to withdraw? I would still like to keep the account open and would intend to replenish at a later date.

A. Loans are not available from a CSRS Voluntary Contributions account.


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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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