Anonymous wrote:

Anonymous wrote:If you do annual backdoor Roth contributions, it gets very complicated and annoying if you have funds in a traditional/rollover IRA. Something to consider, as that's where your funds would end up if you roll the funds out of TSP. If you aren't doing backdoor Roth contributions, I would probably roll the funds out to whichever company you already use.

+1 PP. I would wait till you are done with Roth/backdoor Roth contributions.

I love how posters here assume that other posters have to backdoor Roth contribs. Stay monied, DCUM!

Anonymous wrote:If you do annual backdoor Roth contributions, it gets very complicated and annoying if you have funds in a traditional/rollover IRA. Something to consider, as that's where your funds would end up if you roll the funds out of TSP. If you aren't doing backdoor Roth contributions, I would probably roll the funds out to whichever company you already use.

+1 PP. I would wait till you are done with Roth/backdoor Roth contributions.

DH recently left (reigned and went to a private company, didn’t retire) and I think we’re going to leave it in TSP. The G fund can’t be beat and we use that for a lot of our bond allocation. The republicans have talked about messing with the G fund many times, but haven’t actually done it. If they do, we’ll probably roll it out.

I just resigned and will be rolling the overwhelming majority of my TSP to Vanguard because I don’t trust these MFers either.

I will leave enough to keep the account open and will roll back in (agree: the G fund is a bonanza!) if and when there is less chaos. (Not in the market, but in the management)

I'm in the same boat - have 30 years of contributions in TSP, so a sizeable amount. My plan is to keep most of it in the TSP for now.
Reasons:
- the G Fund - there is nothing else like it, and in today's volatile world it may end up being very useful
- Low costs - although no longer the lowest, still among the lowest
- meets my expected withdrawal needs
- meets my investment choice needs (I'm a boglehead sort)

Most of my TSP is traditional, so I will start doing Roth conversions up to the top of my tax bracket - so every year I'll transfer an amount to a trad IRA and then convert it to a Roth.

Also, if my spouse pre-deceases me, I will look into moving more of the funds to an IRA if the rules for non-spousal inherited accounts stay the same.

My other (non-TSP) investment funds are with Vanguard FWIW. I'm eyeing Fidelity as an alternative, but still with Vanguard. Except for the issues I mention above, I don't see a huge advantage of moving the TSP funds to either at this time. I do notice that "financial managers" are eager to get their hands on my TSP funds, and promise to manage it better than I can for a 1% fee or so. No thanks - I'll keep that 1% for myself.

Anonymous wrote:

Anonymous wrote:I got DOGE'd but can do early retirement. Has anyone else retired recently? This seems like the best thing to do with the TSP. I don't want to touch it for a few years but also don't want to leave it with the crackpot Feds.

Curious what other recent retirees have done or pending retirees plan on doing.

what do you mean by that? TSP is managed by blackrock. no different than any other investment brokers.

Right. That’s nuts. Is OP going to stop using regular US 10s and 20s too?

Anonymous wrote:I got DOGE'd but can do early retirement. Has anyone else retired recently? This seems like the best thing to do with the TSP. I don't want to touch it for a few years but also don't want to leave it with the crackpot Feds.

Curious what other recent retirees have done or pending retirees plan on doing.

what do you mean by that? TSP is managed by blackrock. no different than any other investment brokers.

If you do annual backdoor Roth contributions, it gets very complicated and annoying if you have funds in a traditional/rollover IRA. Something to consider, as that's where your funds would end up if you roll the funds out of TSP. If you aren't doing backdoor Roth contributions, I would probably roll the funds out to whichever company you already use.

I left years ago and was very pleased with the L funds. They lost much less than market in 2008, 2020.

The G Fund has been the reason to keep things in TSP. Look into that.

I retired from the government over 20 years ago. I just move my tsp over to vanguard about 2 months ago because I did not see the benefit to keep at tsp. I think fidelity is a better choice because you can buy/sell many times within a day. Vanguard only let me either buy or sell once a day.

I got DOGE'd but can do early retirement. Has anyone else retired recently? This seems like the best thing to do with the TSP. I don't want to touch it for a few years but also don't want to leave it with the crackpot Feds.

Curious what other recent retirees have done or pending retirees plan on doing.