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Reply to "TSP 2026 new catch up Roth requirement"
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[quote=Anonymous]My understanding is as of 2026, for those eligible for catch up contributions (over age 50), if you make over 150K, that the catch up must be in Roth. The system seems set up to switch automatically once you hit the threshold. However, I was thinking it might more sense to contribute a portion to Roth and a portion to traditional throughout the year. I am not sure if I am understanding this correctly and would be interested in any thoughts or approaches. If it matters, I am likely 3-5 years from retirement, hoping to maximize my contributions, and these will be my first Roth TSP contributions (everything in TSP currently in traditional). Appreciate advice![/quote]
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