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Thrift Savings Plan

Employees may contribute to the Thrift Savings Plan (TSP) on a pay period basis either in percentage-of-salary amounts or whole dollar amounts, up to an annual dollar maximum – called the elective deferral limit – set by the IRS for tax-advantaged retirement savings plans.

Federal employees covered either by FERS or CSRS/CSRS Offset can elect to have deductions from their pay invested through the TSP, beginning immediately after entering service, up to annual dollar maximums. FERS participants also have additional funds invested on their behalf by their employing agencies, with amounts linked to employee deductions.

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