Good morning. I have approximately $23,000 in my TSP (80/20 C/S split) and $14,000 in my Vanguard Roth IRA, in whatever the equivalent S&P500 allocation is. VTSAX I think? I haven't contributed to the Vanguard in a year or so but it has steadily grown from 10k to the 14k now without me touching it. I decided to just go all in on the TSP since they're both on the S&P500.

    I only have about 3.25 years time in service right now and I plan on staying active duty for another 8 years at least, Since my TSP and Vanguard IRA are both split up but on the same allocation, would I make more in the long run if I either:

    1. I dumped my TSP contributions into the VG account and let it compound
    2. Continue what I'm doing (28% of base pay into TSP plus 5% match,) and leave my VG to stew and do its own thing, continue using rest as disposable income
    3. Just get the 5% match and follow the advice about maxing out the VG IRA every year instead.

    Sorry if these are stupid questions, I'm pretty new to finance stuff. 26 y/o paid E-4, newly frocked E-5. Had $0 in savings and $600 in my checking before I enlisted.

    Should I unsplit my investments?
    byu/AvgWarcraftEnjoyer inMilitaryFinance



    Posted by AvgWarcraftEnjoyer

    1 Comment

    1. 1. You can’t do that. Even if you could, it doesn’t make a difference. 
      2. I would try and max you IRA as much as possible.
      3. Both. IRA, but then above 5% as much as you can afford.

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