Changes

Employees are automatically vested for their contributions and associated earnings on those from day one, but are not vested in automatic/matching contributions and associated earnings on those until three years after employment (two years in some cases); if the employee leaves those contributions are forfeited (and used to pay administrative fees, which makes the TSP among the lowest-cost plans available).

Employees are automatically vested for their contributions and associated earnings on those from day one, but are not vested in automatic/matching contributions and associated earnings on those until three years after employment (two years in some cases); if the employee leaves those contributions are forfeited (and used to pay administrative fees, which makes the TSP among the lowest-cost plans available).

Both traditional and Roth TSP accounts are available for the employee's contribution (the agency automatic and matching contributions are automatically deposited into a traditional account).  In addition the TSP allows, in some cases, rollovers from other employer defined contribution plans.

Both traditional and Roth TSP accounts are available for the employee's contribution (the agency automatic and matching contributions are automatically deposited into a traditional account).  In addition the TSP allows, in some cases, rollovers from other employer defined contribution plans (but rollovers from IRA's are not allowed).

The TSP offers ten fund options, five of which operate like traditional index [[mutual fund]]s and five are "Lifecycle" (target-date) funds:

The TSP offers ten fund options, five of which operate like traditional index [[mutual fund]]s and five are "Lifecycle" (target-date) funds: