How can employees, who receive performance pay increases at the end of the year, maximize their Thrift Savings Plan (TSP) contributions to avoid losing matching contributions?

This is a continuing issue since TSP eliminated the 15 percent contribution limit, thus allowing employees to contribute large percentages to TSP early in the year--some employees contribute as much as 75 percent of their income at times. Therefore, almost any employee in any pay band could potentially maximize their TSP contributions before the end of the year. To ensure matching contributions, FERS employees contributing an amount nearing the annual contribution limit of $15,500 dollar limit ($575 bi-weekly) should consider changing their contributions from a percentage value to a specific dollar amount to avoid reaching the annual limit too soon and, thus, losing matching contributions.

By changing to a specific dollar amount, the employee could ensure they maximize their TSP deduction without exceeding the $15,500 before the last pay period of 2008. There are 27 pay periods for NNSA employees in 2008. If an employee has been contributing more than $575 bi-weekly, there is a great ...

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