The 2026 TSP Diversification Guide: New Thrift Savings Plan Rules and Rollover Options for Federal Employees, Retirees, and Military Personnel
The Thrift Savings Plan changed on January 1, 2026. Three new rules affect more than 6.7 million federal employees, retirees, and military personnel. This comprehensive guide explains every change, walks through the four TSP rollover forms, and shows the diversification options available when you’re ready to look beyond the TSP.




