Q. I plan to retire at 63 or 64, but because I came into the government late (12 years ago) my pension will not be that big. Would it be better to drawn from my TSP and claim Social Security at my full retirement age (66 and 4 months) or claim it at 64 and only withdraw from TSP as needed?

Q. Under the TSP partial withdrawal option, I can rollover a portion of my balance after I retire to an IRA. There is nothing that tells me when or how I can access the remaining balance. Under the full withdrawal option I can rollover a portion of my balance to an IRA and get the remainder in immediate monthly installments. I would like to rollover a portion but possibly delay distribution of the monthly installments for approximately one year. Can I do this under the partial withdrawal option? I am FERS, 57 years old with 30.5 years of service when…

Q. I am planning on retiring sometime after September 2019, which is when I know the TSP withdrawal rules are changing. I want to know if, after September 2019, I would be permitted to do the following: withdraw 20 percent of my balance to pay off outstanding bills; use 40 to 60 percent to purchase a Met Life annuity; and/or leave the balance in my TSP account invested in the L Fund that most closely corresponds to my life expectancy. (My intent would be to take actions one and two at the same time.)

Q. For the past five years I have been making the maximum contributions ($18,500 plus $5,500 catch up). I am planning to retire on Sept. 30 this year. Can I make an equivalent contribution to TSP out of my final pay to make up the difference to achieve the maximum contribution for the full year? I have been making $713 regular and $240 monthly to date. If I can do this, I will plan to make contributions of $4,262 and $1,440 from my final pay check to meet the maximum limit for the year. Is this allowed?

Q. I will be retiring within the next month. I am single, 62, and can easily live off my pension and Social Security. I’d like to leave my TSP amount intact and only withdraw lump amounts (based on TSP changes coming in 2019) for home improvements or a nice long vacation. I do not need a monthly withdrawal. I currently am 50 percent in the C Fund and 50 percent in L2030. I choose L2030 because my family history of medical issues has shortened most family members’ lifetimes. I do not anticipate a long life, but do want to completely enjoy…

Q. I am nearing retirement and keep hearing that the G Fund is not a good choice as it does not even keep up with inflation. I have seen the charts on TSP.gov where they compare all the funds from inception vs. inflation, and they all outpace inflation, even the G Fund. To determine if what I am hearing is true, I am interested in seeing the G Fund vs. inflation comparison for less than the time since inception; for example, since 2000 or since 2010 up to now, as I think that is more relevant than since 1987. When…

Q. Required minimum distribution requirements will put me close to the Medicare cut off, so I need to reduce my TSP balance by converting current TSP money, by changing contributions to go into a Roth TSP or by selling mutual fund investments that are causing taxable gains every year. I plan to retire Jan. 3, 2020. I am already 70.5 years. Would one of these options be better than another or is there another option that you could suggest?

Q. I plan to leave civil service next year after 17 years of service and to defer applying for retirement until age 62. Can I start monthly withdraws from my TSP account immediately after I leave federal service or do I have to wait until my actual retirement date at age 62?

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