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 Post Posted: Mon Jan 13, 2020 5:14 am 
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Hello all, I see that we can get to this site from DOD addresses again..YEY!!! Anyway..

I'm about half thru my civilian career, and have packed $$ away in the traditional TSP without giving much consideration to ROTH.. until recently.. I was challenged to compare the two and what I found out was AMAZING unless I'm doing something wrong..

Basic assumptions..
- 100% ROTH contributions from here on out,
- Retire in 10 years (23 total)
- 8% growth annually (staying in the high risk pools)
- Equally burn traditional TSP over 20 years after retirement
- use ROTH to maintain lifestyle
- staying on the 25% +/- income tax bracket. I'm not concerned if I have the taxes just right, since I applied them equally to both sides.

I created a .xls with a side-by-side of 2 scenarios.. Stay in TSP or split now and go ROTH from now on. (PM me w/ email if you want to see my numbers..)

Trying to take Taxes, withdraws, gains, etc into consideration and applying equally as best I can to both scenarios, By the time I had depleted my TSP, I would have 150K left in my ROTH account while having an income of aprox 90K/yr.

I would like to hear is anyone else had tried this comparison and results..

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Just because I give you advice, It doesn't mean I know more than you, It just means I've done more stupid stuff.


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AGG (F Fund)
iShares Lehman Aggregate Bond (AGG)

S&P 500 (C Fund)
S&P 500 INDEX,RTH (^GSPC)

DWCPF (S Fund)
Dow Jones U.S. Completion Total Stock Market Index (^DWCPF)

EFA (I Fund)
iShares MSCI EAFE Index (EFA)