Mega backdoor Roth with Govt Thrift Savings Plan

Is it possible to do with the govt’s TSP?



  • Only uniformed services can make employee after-tax contributions and then only from tax exempt pay while deployed in a combat zone.
  • These special employee after-tax contributions are not eligible for in-service rollovers and the TSP does not support in-plan Roth Rollovers (IRRs) that would enable the Mega Backdoor Roth.
  • However, if they only occur a limited time before separation, there may not be ecessive pre-tax earnings on the employee after-tax contributions when they and the earnings are rolled over.

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