Making the Most of Your TSP in Retirement
The Thrift Savings Plan (TSP) is a powerful retirement savings tool available to federal employees and uniformed service members. It works much like a private-sector 401(k), offering low-cost investment options and the ability to grow your savings tax-deferred.
Options
TSP offers five core investment funds and Lifecycle (L) Funds to help you align your portfolio with your risk tolerance and retirement timeline.
Contributions
In 2025, you can contribute up to $23,000 annually, with an additional $7,500 in catch-up contributions if you’re 50 or older. For FERS employees, the government matches up to 5% of your salary — meaning you’re leaving money on the table if you’re not participating.
Why it Matters
Your TSP is one of the three core pillars of your federal retirement — along with your FERS or CSRS pension and Social Security benefits. While your pension provides a fixed monthly income and Social Security adds a safety net, the TSP is the part you control and grow over time.
Opportunity
Build additional wealth, hedge against inflation, and create long-term financial flexibility.
Time
The choices you make today — how much you contribute, how you invest, and how you eventually withdraw — will directly impact your lifestyle in retirement.
Consider
Even small changes now can mean thousands of dollars more in retirement.
We’ll review your contributions, investment mix, and withdrawal options to ensure you’re on the right path.
Whether you’re just getting started or preparing to retire, VEBS can help you optimize your TSP strategy.