TSP

What You Need To Know

 You have been automatically enrolled in the 

TSP at 3% of your salary, and contributions are 

automatically deducted from your paycheck into 

your TSP account. 

 You are eligible to receive matching contributions 

from your agency, which could mean thousands 

of additional dollars in your TSP account over 

time. Consider contributing at least 5% to get the 

full match.

 You are automatically enrolled in your ageappropriate Lifecycle (L) Fund. The L Funds are 

a professionally designed mix of the five individual 

TSP investment funds. Once you access your 

account, you will be able to change how your 

money is invested. 

What To Look For Soon

Keep an eye out for your TSP account number, web 

password, and ThriftLine Personal Identification Number 

(PIN) in the mail. 

 Account number + PIN = ThriftLine (telephone) 

Account Access

 Account number + web password = Online 

Account Access

 

What You Can Do Now

 Increase your contributions so that you get your 

agency’s full match by logging into your agency’s 

electronic payroll system.

 Ask your benefits specialist about receiving TSP 

training from one of our trainers.

 Visit our “Frequently Asked Questions” page 

at tsp.gov.

 Visit us on Facebook, Twitter, and YouTube for the 

latest TSP updates and educational content.

TSPFL41

We’re a long-term retirement savings and investment plan similar to 401(k) plans offered in the private sector. 

Whether you’re new to the government or returning to federal service, know that we’ll be here for you throughout your career 

and during retirement.

Welcome to the Thrift Savings Plan (TSP)

Find out more at tsp.gov 

or call 1-877-968-3778.

facebook.com/tsp4gov twitter.com/tsp4gov youtube.com/tsp4gov
ADDITIONAL INFORMATION

YOU MIGHT FIND USEFUL

 After you receive your login credentials in the mail, log into My Account at tsp.gov to: 

• review your account, 

• add your contact information, 

• perform certain transactions, and 

• sign up for email notifications about topics that matter to you.

 If you wish to immediately increase your automatic 3% contributions and do not have access 

to your agency’s electronic payroll system, fill out Form TSP-1, Election Form, and submit it to 

your agency. You should have access to your agency’s payroll system within 2-4 weeks.

 You can transfer money in from eligible plans. This is something to consider because our 

low fees let you keep more of what you save. Visit tsp.gov and use Form TSP-60 to transfer 

traditional money, and TSP-60-R to transfer Roth money. 

 We offer two tax treatments for your TSP contributions. You can make both traditional and/

or Roth contributions. Traditional (pre-tax) contributions allow you to defer paying taxes 

on your contributions and their earnings until you withdraw them. With Roth (after-tax) 

contributions, you pay taxes on your contributions as you make them (unless you are making 

tax-exempt contributions), and your earnings are tax-free at withdrawal as long as you meet 

certain IRS requirements.

If you need help or have a question, call the ThriftLine Monday–Friday 

7:00 a.m. to 9:00 p.m., eastern time, at 1-877-968-3778 and press option 3

 to speak to a Participant Service Representative.

TSPLF41 (1/2018) 

 Five Percent: Your federal agency will contribute the equivalent of 5% of your pay to your 

TSP account with each paycheck. But you only get the full amount if you contribute at least 

5% too. You were automatically enrolled at 3% of your salary, so you’re missing out on free 

money from your agency if you don’t contribute 5%. 

 Five Minutes: Log into your electronic payroll system (e.g., Employee Express, myPay, 

LiteBlue, EBIS, NFC EPP) to increase your contributions and take advantage of your 

agency’s full match. 

 Five Funds: The TSP’s strength is its simplicity. We offer five individual funds you can mix 

and match, and five Lifecycle (L) Funds that are professionally designed based on when 

you’ll need your money. The TSP cannot guarantee the growth of your account, and past 

performance does not guarantee future results.