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Benefits

Thrift Savings Plan (TSP) Options

Understand your options for your TSP account when you leave military service.

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Tips

  • You can leave your money in TSP — it has very low fees
  • You can roll it into a civilian employer's 401(k) or an IRA
  • Don't cash it out early — you'll pay taxes plus a 10% penalty
  • TSP offers lifecycle funds that automatically adjust as you age

Related Guides

Transitioning Out of the Military

Complete checklist for separating or retiring from military service, from TAP to your first day as a civilian.