Q. I am a young federal employee with three years of service with the Department of Agriculture. I have contributed 10 percent (5 percent matched) into my traditional Thrift Savings Plan. As I understand, I would lose the 5 percent government-matched money if I move all of my contributions to Roth TSP. Would it be best to open an additional Roth TSP to my traditional TSP, or structure it differently?
A. You will not lose your matching contributions if you shift your contributions to the Roth TSP.