- Redistributing the Money in Your TSP Account
- Making an Interfund Transfer (IFT)
- When Do IFTs Take Effect?
- IFT Limits
The money that is in your TSP account right now is invested in one or more of the individual funds (G, F, C, S, and I) and/or L (Lifecycle) Funds. If you want to change how that money is distributed within your account, you can tell us by requesting an interfund transfer (IFT).
An IFT allows you to redistribute all or part of your existing TSP account among the different TSP funds. An IFT does not affect the investment of future deposits into your TSP account. To direct new money coming into your account, visit Contribution Allocations. For more information, view our Contribution Allocations and Interfund Transfers video.
If you have traditional (including tax-exempt) and Roth balances in your account, your IFT will move a proportional amount from each type of money into the funds that you have specified. The table below illustrates what would happen if you have a $100,000 TSP account in which $90,000 is traditional and $10,000 is Roth, the account is 100% invested in the G Fund, and you want to have 10% of your account in the G Fund and 90% of your account in the C Fund.
|Interfund Transfer: 10% G Fund, 90% C Fund|
|$90,000 Traditional Balance||$10,000 Roth Balance|
|$9,000 ► G Fund $81,000 ► C Fund||$1,000 ► G Fund $9,000 ► C Fund|
There are several ways that you can make an IFT.
Visit My Account: Interfund Transfers. You will need your account number (or user ID) and your 8-digit password.
Call the ThriftLine. You will need your TSP account number and your 4-digit Personal Identification Number (PIN).
Online and Telephone
IFTs made on this website or the ThriftLine before 12 noon Eastern time are generally processed as of that business day. Requests made after 12 noon Eastern time are generally processed the next business day.
You can make an IFT at any time, but there are some important limitations:
- The first two IFTs of any calendar month may redistribute money in your account among any or all of the TSP funds, including moving your entire balance into the Government Securities Investment (G) Fund.
- Subsequent IFTs in the same calendar month can only move money into the Government Securities Investment (G) Fund.
If you have both a civilian and a uniformed services account, these rules apply to each account separately.