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Should I roll my TSP into an IRA?

Quick answer

For most federal retirees, rolling your TSP into an IRA provides more investment options, greater flexibility for Roth conversions, and easier estate planning. However, the TSP's ultra-low expense ratios (0.04%) and G Fund (unique government bond with no credit risk) are hard to replicate outside the TSP.

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TSP Withdrawal Planner

Model TSP withdrawals across L Funds, G Fund, and individual fund mixes, and see what a rollover changes.

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