Rolling outside investments into TSP


Q. My wife and I contribute 18 percent to TSP (Roth) but also have five outside funds (1 mutual fund, 2 Roth IRA’s, 2 traditional IRA’s) that we no longer contribute to. I am retiring soon; however, my wife will work another three years. Would you recommend rolling them into our TSP (L2030)?

A. If you don’t expect to need the funds for spending during the coming five years, I think you should move the money in the traditional IRA accounts into your TSP account(s). You may not transfer the Roth IRA or taxable funds into the TSP. You should consider using Exchange Traded Index Funds in discount brokerage accounts for the other accounts.


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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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