Question 1

What is the TSP (Thrift Savings Plan)?

Accepted Answer

The Thrift Savings Plan (TSP) is a retirement savings plan for federal employees and military members, similar to a private-sector 401(k). It offers low-cost index funds (C, S, I, F, G funds) and Lifecycle (L) funds.

Question 2

How does TSP matching work under BRS?

Accepted Answer

Under the Blended Retirement System (BRS), the government automatically contributes 1% of base pay. It then matches dollar-for-dollar on the first 3% you contribute, and 50 cents per dollar on the next 2%. Contributing at least 5% of base pay captures the full 5% government match.

Question 3

What is the TSP contribution limit?

Accepted Answer

The TSP follows the same annual contribution limit as a 401(k). For 2025, the limit is $23,500. Service members in combat zones can contribute above this limit from tax-exempt pay, up to the Section 415(c) overall limit.

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