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Reply to "Hating the TSP -- opinions on how to invest?"
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[quote=Anonymous]If I were you, and young, I'd contribute to the max matching on your TSP first. I'm at 40/40/20 S/C/I; then max out a Roth IRA of your choice. For low fees, a Vanguard S&P500 index would fill the bill, but you're duplicating your coverage with S there. Up to you. Then go back and put as much as you can in the TSP after that. Benefits: TSP match = instant 100% return. TSP in general = reduces your taxable income Roth IRA = Best from a long-term tax standpoint since all your post 59½ withdrawals will be tax-free. The only way I'd modify the above is if you're hovering near the border between tax brackets and would use TSP investment to make sure you stay in the lower one. Even then I'd want to run the numbers to see how long-term numbers vary between taxes now & taxes later for the specific amount in question.[/quote]
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