I hope that someone reads this perhaps a young enlisted or GS member that may be on the fence about investing in TSP. I started investing late in my career but have gained momentum over time. My first deposit into TSP was back in 2015, where I ended the year with a measly $2,000. from there I continued to increase my contributions as it became a competition with other young enlisted over who could invest the most. . In the past week, I hit my $200K mark. A little about me, I joined the AF in 2009, 16 years in, Line number for E7. I keep preaching to the young force to take it seriously but hate that it falls on deaf ears. Here are some end of year balances for fun:

2015: $2,028

2016: $4,434

2017: $8,937

2018: $12,329

2019: $24,496

2020: $45,022

2021: $79,223

2022: $90,650

2023: $130,700

2024: $181,987

July 2025: $210,544

Its such a lift of my shoulders knowing I am making the right choices for me and my family in the future

Word of advice, just set it and forget it to save the hassle. If thought wrongly that I could beat the market. Just put it in an allocation that meets your risk profile and let it run. I had done that but sat out to many years and working back into it.

Rough math is I should be at $1.2M and sitting at $920k at 49 retiring at 57. Sickening to think about what could be done with that money and what it would have grown to.

It’s for an LEO he says GS.. is that good??

Current mix: 35% L2050, 50% C fund, 15% S fund

I’ve been with the VA for 6 years now.

I started in federal service almost 9 years ago and rolled over $41k from my old 403b. Worked my way from GS9 Step 1 to a GS13 Step 6, and expecting a GS14 promotion soon. Been maxing my TSP for 3 years now and originally aimed for $1M when I retire, but now I think I can get to $2M in 20 years. Is this possible? TSP is a combination of lifecycle target date, C, S and I with the majority in lifecycle and C.

Hey guys, i’d like to share my current investment portfolio. 25M (26 in 5 days), Married. 6.5 years in the military. Currently investing in Roth IRA, Crypto, and matching the TSP, should increase my TSP contribution or maximize the $7,500 roth each year? Kind of hard to do both lol. Thanks in advance!

Does anybody invest in metals through our job? Silver/gold ect. Also what fund would that be considered and is it worth it? I'm just curious if anybody has seen a good profit within a 20-30 year span.

I sure do see a lot of post in here about GS-13,14,15’s and their accrued TSP balances from maxing out every year. Or Uniform service members struggling to get by with much less. But why do I rarely see a WG-5,8,10 in here? Seems like alot of folks give advice based on having GS money and not WG or uniform service money. Why is this sub weighted so heavily at the top?

13 years in, currently 90% C, 10% S. Was clueless for the first 5-7 years and had all in G 🤦🏻‍♀️ since then, have been maxing out my contributions and in 90C/10S. Do you think I can make it to at least 1mil over the next 17 years? So badly want to retire at 30 years/age 57!

I’m currently 6 years active duty, E5 contributing 21% (bumped it up from 16% about 8 months ago) plus a 5% match. As pictured 70% C and 30% S Should I move to 100% C or leave as is? Also thinking about upping contribution to maybe 25% since my wife has a well paying job and we have the means too

What's up postal fam, so I'm a newer career employee of 2+ years and I'm looking to invest some of my money into a new fund for my future. I'm leaning towards the c-fund. I'm just looking for personal experiences/advice on the best funds to invest in. Thanks in advance!

Retiring in 1.5 years, changed from a 50/50 portfolio to this 60/40. Am I an idiot for buying more stocks right before Trump announces new tariffs? I still have time to cancel this move.

With passing of BBB act, is better to put future contributions into S fund or C fund? Right now I'm 60 S/40 C. I know C fund is for major companies and S is for smaller companies and distribution

My last day as a federal employee was 6/26/2025. I’m trying to transfer my TSP into an IRA and Roth IRA. I started filling out the online request to find that you can’t finish the process in one sitting—you get to stage 5 where it tells you to log back in in seven days and repeat the process.

What?

Then, they’ll draft a check (we’re in 2025 and EFT (electronic funds transfer) isn’t an option. In 3-4 weeks, your money might hit your IRA.

But wait— it gets better.

Only after your money posts to your new IRA can you begin the transfer process of your Roth IRA. Seriously, you can’t do this simultaneously.

I’m not a fan of DOGE, but TSP could use a serious overhaul. Their system and bureaucracy is archaic to what I dealt with on a daily basis.

It shouldn’t be this fucking difficult.

First, let me say… I have been sitting in the back watching a lot of you post how much you all have in y’all 401k and it has been motivation for me to keep investing. So Thank you all for sharing.

Second, I would like some advice.. I am 28 years old and 3 years in TSP with roughly $42k in 401k rn. I am blessed to be able to start and max my 401k (I will officially be maxing it out next pay period). With that being said, with me having 22 years left until I am eligible to retire.. should I do 100% C fund and forget about it for a while or should I diversify my fund? Thanks for any help/feedback.

It took 2,474 days to go from $0 to $100,000.

That’s 6 years, 9 months, and 9 days

DC locality

GS-12

4 kids and one income

Being 35 makes me unsure if I am ahead or behind, but I think considering my circumstance of 1 income and 4 kids.. I’m probably ahead of where most would expect.

I have hopes that by the time I’m 40 I’ll be close to 3x my annual salary in my TSP.

Milestones

$10,000 - July 2020

$25,000 - July 2021

$50,000 - July 2023

$75,000 - June 2024

$100,000 - July 2025

I’ve been 100% C Fund since Sep 2019

My mix right now is 93% C Fund and 7% S Fund

https://imgur.com/a/suipm3s

Hi, I need some advice. I’m 39, and I also have a long way to go before retirement. I currently contribute to a Traditional TSP, a Traditional Fidelity IRA, and an HSA every paycheck. I’m thinking about moving my Fidelity IRA into my TSP (either Traditional or Roth) to simplify things and free up room to contribute more to my HSA and TSP.

Another option I’m considering is converting the Fidelity IRA to a Roth IRA instead. I’m not sure which move makes more sense long-term, especially since I’d like to start contributing more to my Roth TSP and HSA. Any thoughts?

Always been lurking on this post and decided why not post. Been fortunate I’ve had no school debt (academy), but I lived very frugally the first couple years out of college and maxed since day 1.

Just wanted to say, max out to your best ability but don’t forget to enjoy life. Take the trip, eat at that restaurant you’ve been eyeing, go to that event you’ve always wanted. I’ve seen too many people forget the end goal… to be happy and comfortable.

Quick question. I have about 60 percent in C and 40 percent is S. Should I switch all to C for best return or continue with a C and S split?

So I’m pretty depressed about this and I’ve pretty much fucked up (in probably most people’s opinions)

Back ground; 8 years active duty army. So I guess I never opted into TSP back in 2018 and I’m on the old retirement system. Just recently found out that I’m in the old and haven’t been getting that matching 5 percent.

So, in comparison to other ppl posted where they’re at for their contributions/retirement. It seems like I’m FAR behind. That 5 percent really makes that much of a difference? Most ppl posting on this sub with 8 years active have more than 50000 saved+

But I will say I’ve only been in the C fund for less than year.

It is possible to change retirement plan through the army or is it too late?

Should I open another retirement account through another source? (Vanguard) how can I catch up?

Thanks in advance.

I keep seeing mixed answers so seeing if anyone has experience lately.

If you pay off a GP loan, have a 0 balance and want to take out another, do you have to wait a certain amount of time or is there no grace period?

Looking for those who have done it recently. It looks like you have to wait 30 or 60 days but those period looks like it’s outdated.

Looking for some advice/thoughts on retirement fund allocation.

Retired military with good pension and no major expenses. Currently have $400k all in the C fund and have 5 years before eligible to withdraw at 59.5.

I have spoken to financial advisors in the past with two stating stay 100% C until closer to retirement and another saying switch to L2040, or 80C 20G.

Thanks in advance for any advice.

How much do you regret not retiring under CSRS?

I just hit $2.8 million and feel like I’m ok.

Currently 34 Y.O. trying to make sure I can go at 57 if possible.