Dumb Roth Question:

[RockChalk]

Do you still get the agency match if you contribute 100% to the Roth? Also, would contributing 100% to Roth be wise?

 

[wavecoder]

I would think so, but the downside is it's taken out after taxes, so you'll have smaller contributions if you have percentage-based contributions (and the 5% matching is probably a smaller amount if taken out after taxes as opposed to before)

It all depends, a wise decision really sometimes depends on the outcome but rule of thumb if you're expecting to be in a higher tax bracket by retirement age then it's supposed to work out for the better, since when you withdraw you don't take a tax hit.

Me personally I stick with the regular TSP for that account, and opened a Roth IRA with an online broker on the side. There's investment options I like that aren't available with the TSP, but everyone's different.

 

[ripper]

Do you still get the agency match if you contribute 100% to the Roth? Also, would contributing 100% to Roth be wise?

Yes, you still get the matching funds when you contribute to the Roth TSP. But while the Roth contributions and their earnings are tax-free at withdrawal, the matching funds and their earnings are not.