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Before you withdraw

We offer several options for withdrawing the money from your account. When making your decision, it’s important to think about your income needs and the lifestyle you would like to have in retirement. The approach you take to withdrawing your TSP account depends on your specific goals.

Here are some things to consider:

For more information on TSP installment payments and other withdrawal options, read the booklet Withdrawing From Your TSP Account for Separated and Beneficiary Participants.

For more information about RMDs and tax requirements, see the tax notice Important Tax Information About Your TSP Withdrawal and Required Minimum Distributions.

Other considerations

Vesting requirements

Vesting requirements only apply to FERS and BRS participants.

FERS and BRS participants must work for a certain number of years in order to be entitled to, or vested in, the Agency/Service Automatic (1%) Contributions in their account and the earnings on them. If you have not met the vesting requirement by the time you leave service, any Agency/Service Automatic (1%) Contributions and the earnings on them will be removed from your account and forfeited to the TSP.

Important: Civilian service does not count toward vesting in a uniformed services account, and uniformed service does not count toward vesting in a civilian account. For more information about vesting, visit A few words about vesting.

Spouses’ rights

By law, your spouse has certain rights to your TSP account. These rules apply even if you’re separated from, but still married to, your spouse.

Partial Withdrawals

Full Withdrawals

Combined civilian and uniformed services accounts