My guess is that there is no separate Roth account and TSP just keeps track of what percentage of your account is Roth.Notwithstanding what Ketawa is saying above, this doesn't make any sense! If I start my career contributing for my first 10 years in traditional TSP and allocate solely to G Fund, but during the next 20 years I decide to contribute to Roth TSP, with all future contributions mapped to the C Fund, the import of what Ketawa is saying is that TSP changes my contribution allocation in Roth so that . . . . my Roth TSP has some balance in the G Fund? And it re-arranges that balance in my Roth TSP every year I make further contributions into Roth TSP despite my designating that all future contributions go into Roth and the C Fund? Does TSP just decide that future Roth TSP balances must be 50% G-Fund and 50% C-Fund, and does TSP now change my tradtional TSP account balances to reflect the C-Fund position I've taken in my Roth TSP?
So, in the example, if you never did an interfund transfer, and rolled out the Roth portion to a Roth IRA, you would end up with a 50/50 split between G and S in the remaining Traditional part (disregarding any difference in returns)?
I think KISS applies here: future contributions can get ear-marked to Roth with allocations designated by the account holder and nothing changes unless one does an interfund transfers, in which case, TSP evidently re-arranges stuff. I have no positive authority from TSP laid out by TSP but neither does Ketawa -- unless I misread his prior posts.
Statistics: Posted by rkhusky — Sat Feb 07, 2026 2:16 pm — Replies 697 — Views 144250