How long before TSP designation is required?


Q: Once retired from the federal government, how long can you leave money in a Thrift Savings Plan account without designating how it is to be allocated?

A: You can leave your money in the TSP and direct it — or not, as you see fit — until the IRS Required Minimum Distribution rules kick in.


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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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