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Werewolfdad t1_j23wbww wrote

Reply to comment by Nagisan in Girlfriend is changing jobs. Should she move her 401K into the TSP? by buskingengineer

> in case I need to backdoor Roth in the future.

Yeah, I think my bias is showing since that is such a more important consideration in this forum than perhaps in the world at large.

The new brokerage link option narrows the issue with broader investment choices.. NeverMind. Super bad.

I agree about the other flexibilities with IRAs

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Nagisan t1_j23x5lw wrote

> The new brokerage link option narrows the issue with broader investment choices.

Not really, the fees are absolutely absurd ($145 in annual fees plus $28.75 per trade - which means monthly if you invest new funds into it once per month - and that's on top of any fund specific fees) and you can only invest 25% of your total TSP balance this way.

If anyone is legitimately looking for broader investment choices, they would be better off rolling from TSP into a bad 401k plan than they would be staying in TSP.

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Werewolfdad t1_j23y8f7 wrote

Oh damn I hadn’t realized the fees were that awful. Wow. NeverMind on that at all then

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