In-service distributions from TSP


Q. I am a federal employee (6+ years of service) making contributions into a TSP account. I plan on retiring from government service in December 2020. I also have funds in other IRAs. This year I turn 70 ½ years old. Can I still make contributions into my TSP account while I receive required minimum distribution money? Can I take in-service distribution not RMDs?

A. You will not be required to take RMD from your TSP account until after you retire, and you may continue to contribute to it until that time. You may take an in-service withdrawal from your TSP account while you are still working if you have not already done so.


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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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