https://mosroadmap.com/tags/retirement-planning/Recent content in Retirement-Planning on MOS RoadmapHugoen-usjohnnyhashim@gmail.com (Sgt Hashim)johnnyhashim@gmail.com (Sgt Hashim)Thu, 03 Sep 2026 11:23:58 +0000https://mosroadmap.com/guide/military-tsp-brs-contribution-playbook/Thu, 03 Sep 2026 11:23:58 +0000johnnyhashim@gmail.com (Sgt Hashim)https://mosroadmap.com/guide/military-tsp-brs-contribution-playbook/<ul> <li>Contribute 5% of basic pay each pay period to receive the full BRS Service contribution of 1% automatic plus up to 4% matching.</li> <li>BRS matching and vesting of the Automatic 1% begin on the first day of your 25th month of service.</li> <li>The 2026 elective-deferral limit is $24,500, so pace high contributions through December to avoid losing later matching.</li> <li>Roth earnings generally require the five-year rule plus age 59½, permanent disability, or death to qualify for tax-free distribution.</li> <li>After separation, a TSP balance of at least $200 can remain in the plan without new military payroll contributions.</li> </ul> <h2 id="your-first-tsp-target-is-5-of-basic-pay">Your first TSP target is 5% of basic pay</h2> <p>If you are covered by the Blended Retirement System, contributing 4% instead of 5% leaves Service money unclaimed. The missed Service contribution equals half of 1% of basic pay. Repeat that shortfall through years of service, promotions, and investment growth, and the cost compounds.</p>