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 ROTH TSP vs ROTH IRA

Roth TSP is not a Roth IRA. Any participant who is eligible to contribute to the TSP can make Roth contributions subject to IRS deferral limits. If you are eligible to contribute to a Roth IRA, making Roth contributions to your TSP account will not affect your Roth IRA contribution limits. The table below compares Roth IRA and Roth TSP.

  ROTH IRA ROTH TSP
Income limits Not available to taxpayers with income above certain limits Available to all participants regardless of income
Contribution limits $5,500
($6,500 if at least 50 years of age)*
$17,500
(plus an additional $5,500 if at least 50 years of age)*
Required Minimum Distribution (RMD) Not subject to RMD until the IRA owner dies RMD apply to both Roth and traditional balances
Rollover rules May not be rolled into a Roth 401(k); a Roth IRA can only be rolled into another Roth IRA Can be rolled into another Roth 401(k) or a Roth IRA
*2013 limit
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