Should I keep my TSP or transfer it to my IRA? I left AD last year and have since joined the Reserves. I was contributing like 85% of my drill pay to the TSP, but now that I’ve finally got my VA rating (80%) I will only be drilling for retirement points so now I’m trying to figure out the best path forward. I would love any thoughts/opinions/advice anyone is willing to share.

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Look at the fee structure of the plan you may transfer it to, compared to what you currently have. TSP fees are pretty low, but Deloitte's plan through Vanguard is also very low.

One thing to consider is that if you want the flexibility to take a loan against your TSP/IRA accounts is that there is a $50k limit.. but you can do $50k against your TSP and $50k against your IRA. So by keeping both accounts open you could take out a larger loan (and the TSP interest rate is lower for repayment than Deloitte's Vanguard account).

Otherwise the only consideration is how you take RMDs, and I haven't looked too closely at that yet. I'm not sure if having both accounts or consolidating to one represents an advantage, disadvantage, or is similar.

And of course there is something to be said for the simplicity of a single account... But if the TSP saved you $100k in fees over your life, I'd say that's worth keeping a second account open (I'm not sure it does, just an example)

Hmm. What are your financial goals and investment options? I think you need to consider these factors before making a decision.

The admin fees are so low, I wouldn’t roll over

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