TSP, post employment


A. I am a FERS employee at the Department of Defense (from my TSP, 25 percent is in the general fund and 75 percent goes to a Roth. I am told that when I leave service, I must terminate my TSP. This is distressing. Any advice?

Q. While you may not continue to contribute the TSP when you are not in pay status, as long as your vested account balance is at least $200, the account is yours to maintain and manage for as long as you like. You may even transfer eligible IRA balances into your TSP account after you separate from covered service, and for as long as you continue your account.


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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 fedexperts@federaltimes.com and view his blog at money.federaltimes.com.

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