Should I leave savings in TSP after retirement?


Q: Can I retire and leave my savings in the Thrift Savings Plan? If yes, will there be a service charge? Will the account grow if I switch to the G Fund (government bonds)?

A: Yes, you may — and I generally recommend that participants do — leave your money in the TSP after you separate from service. There are no “service” charges, just the extremely low expenses of running the program that apply to all participants. The G Fund is not really a bond fund. It’s a guaranteed income contract with a stable share value and interest paid based on U.S. Treasury securities rates. Any money invested in the G Fund will grow over time.


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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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