Matching funds from TSP


Q. How many years must one work to be entitled to matching funds for retirement? I am a FERS employee with 11 years of service at the Department of Veterans Affairs. I’ve been told one has to have a minimum of 20 years of service to receive matching funds from your TSP. Is this true?

A. Agency-matching contributions for FERS employees begin immediately, but you are only vested in those matching contributions after you have accumulated three years of federal service. Visit for more information.


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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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