Roth TSP – TSP Insights

Investment Strategies by TSP Insight Author November 4, 2025

Is the Roth TSP Right for You?

Federal employees have had the option to make after-tax contributions to the Roth Thrift Savings Plan (TSP) since spring 2012. This account offers the advantage of tax-free withdrawals in retirement, on top of the agency match. However, despite its potential benefits, the…

Federal Benefits by TSP Insight Author October 21, 2025

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The Pros & Cons Of The Roth Thrift Savings Plan (TSP)

In 2012, the Thrift Savings Plan (TSP) introduced the Roth TSP option, allowing federal employees to invest after-tax income and enjoy tax-free withdrawals in retirement. If you’re wondering whether the Roth TSP is a good fit for your financial future, here’s a…

Financial Planning by TSP Insight Author September 30, 2025

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How a TSP Roth Conversion Impacts Your Taxes

Beginning January 1, 2026, federal employees will have the option to perform in-plan TSP Roth conversions. This means you can transfer money directly from your Traditional TSP into a Roth TSP. If you don’t already have a Roth account, your first conversion…

Retirement Planning by TSP Insight Author May 20, 2025

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Smart TSP Withdrawal Strategies

Deciding how to withdraw funds from your Thrift Savings Plan (TSP) is a critical step in retirement planning that can shape your financial future. For those with both traditional and Roth TSP accounts, the order of withdrawals influences not only how long…

Investment Strategies by TSP Insight Author April 29, 2025

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Roth Conversion Pros and Cons

A Roth conversion can offer significant benefits, but it comes with important tax implications. Benefits Contributions to Roth IRAs have already been taxed, which means you’ll have tax-free withdrawals of contributions and earnings in retirement (after age 59½ and if the account…

Policy Updates by TSP Insight Author January 1, 2025

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2025 TSP Contribution Limits Are Going Up: What You Need to Know

Big news for federal employees: the IRS has announced higher Thrift Savings Plan (TSP) contribution limits for 2025. This means you’ll have even more room to grow your retirement savings starting next year. 2025 Contribution Limits In 2025, you can contribute up…

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Tag: Roth TSP