Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

Following up on this, here it is from the TSP website - attaching the link and the screenshot:

https://www.tsp.gov/publications/tsp-775.pdf



On 1/29/22 at 7:44 PM, eljosco@mail.com wrote:

From: eljosco@mail.com
Date: January 29, 2022
To: TSPStrategy@groups.io
Cc:
Subject: Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

It's taken into the calculation for TSP total. I've taken several workshops during the last 2 years and they've consistently said this - including from TSP folks.



On 1/29/22 at 6:05 PM, Doug Peterson wrote:

From: "Doug Peterson" <Dpatd10@gmail.com>
Date: January 29, 2022
To: TSPStrategy@groups.io
Cc:
Subject: Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

I'm not sure what you mean by this:

"if it's in during RMD years they'll take the Roth portion into account for RMDs"

Roth balances are absolutely not subject to RMD. Are you saying TSP has a flawed RMD formula that would incorrectly include Roth in RMD calculations?

On Sat, Jan 29, 2022, 4:37 PM <eljosco@mail.com> wrote:

I plan on taking out the Roth portion immediately out of the TSP upon retirement (if it's in during RMD years they'll take the Roth portion into account for RMDs). The traditional portion will be transferred out within a short timeframe after.

You pointed out several things, but my main reason for moving it out is legacy planning. 

On 1/27/22 at 3:12 PM, ShaneBro via groups.io wrote:

From: "ShaneBro via groups.io" <s.guy75=yahoo.com@groups.io>
Date: January 27, 2022
To: "tspstrategy@groups.io" <tspstrategy@groups.io>
Cc:
Subject: Re: [TSPStrategy] How low to go.

Stop the pain!  Does anybody have a good rebuttal for keeping a TSP account once a person is taking RMDs?  My broker charges nothing to keep IRA funds, I can trade aggressively or defensibly or set up future sell orders at no cost, and I can put 2 years worth of RMDs (small percentage right now of my stash) in 2 or 3 CDs.  TSP touts low carrying cost but it is a fraction lower than indexed ETFs.  AND in the end your big money comes when the S&P or DWCPF go up, not pennies of extra carrying costs.  TSP ties your hands in number of trades and will not allow protection of RMDs in G.

Thoughts?  What is there to gain staying in TSP?

Thanks

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