Roth IRA vs. TSP


Q. I have a separate Roth IRA with a fiduciary adviser, but my TSP consistently out performs my Roth. Is there any benefit to cashing out my Roth and starting to contribute to the TSP Roth account? I am 45 years old and have a total of $150,000 in my Roth account. I am currently maximizing my traditional TSP contributions.

A. Why not move your Roth IRA to a discount broker and use index funds to invest your account in the same way as your TSP account? If you use low-cost index exchange-traded funds, the performance should be very similar to your TSP account. Try these funds as proxies for the TSP’s funds: IVV for the C Fund; IWM for the S Fund, IEFA for the I Fund, and AGG for the F Fund.


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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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