Should I Roll Over My TSP After Retiring?

By on May 5, 2015 in Q&A with 10 Comments

Q: I am a federal government employee with Social Security. I have 35 years and plan to retire in 2015. What is your advice for our TSP? Is it better to roll it into another plan or to leave it in TSP and take an annuity?

A: Because I am a retired fed, rather than a financial planner, I do not give advice on whether or not to rollover your TSP. I fall back on the old HR comment of “it depends.” Both myself and other FedSmith authors have written articles that discuss the things you should consider in deciding whether of not to rollover your TSP. You can look in the “TSP” section in the drop down menu that appears when you click on “News” in the navigation bar at the top of the website as well as use the search box at the top of any page on to search for articles on this subject.

John Grobe’s latest book, The Answer Book on Your Federal Employee Benefits, has just been released by LRP Publications. The book is written in an easy to understand question and answer format and covers all areas of federal benefits from the perspective of an employee at various stages of their career. Order your copy at

© 2016 John Grobe. All rights reserved. This article may not be reproduced without express written consent from John Grobe.


About the Author

John Grobe is President of Federal Career Experts, a consulting firm that specializes in federal retirement and career transition issues. He is also affiliated with TSP Safety Net. John retired from federal service after 25 years of progressively more responsible human resources positions. He is the author of Understanding the Federal Retirement Systems and Career Transition: A Guide for Federal Employees, both published by the Federal Management Institute. Federal Career Experts provides pre-retirement seminars for a wide variety of federal agencies.