10/13/2026
Should you lower your Thrift Savings Plan (TSP) contributions before retirement? A 5% contribution can secure the full Federal Employees Retirement System (FERS) agency contribution, but that does not necessarily make it the best choice for employees nearing retirement. Here’s what to weigh before changing your contribution rate, from taxes and cash flow to long-term savings.
Read from Tammy Flanagan, NARFE federal benefits expert, on Government Executive:
Getting the full agency match is a good baseline, but if retirement is around the corner there’s more to consider before deciding what to do with the rest of your paycheck.