Savings Strategies
"I just started with the company."
You can enroll in the plan using the TRP website, mobile app, or over the phone.
"Should I contribute Roth?"
The Roth Comparison calculator is located under the Plan and Learn tab on the Tools and Calculators page of the TRP website.
"When can I retire?"
You can get a better picture of your retirement progress in the Confidence Number tool on the Home page of the TRP website.
"Can I borrow money from my 401k?"
You can request a loan under the Take Action tab on the Visit Loan Center/Take a Loan page of the TRP website.
"Am I allocated correctly for my age?"
You can get a better picture of your portfolio allocation on the Mix tab on the Home page of the TRP website.
"Am I contributing enough?"
You can increase your contributions under the Take Action tab on the Change Contributions page of the TRP website.
"How do I start contributing Roth?"
You can start Roth contributions under the Take Action tab on the Change Contributions page of the TRP website.
"When should I file for Social Security?"
The Social Security Optimizer tool is located under the Plan and Learn tab on the Tools and Calculators page of the TRP website.
"How can I monitor my account?"
You can monitor your account using the TRP website, mobile app, or you can call our 800 number to get assistance from a TRP associate.
"What does TRP think of the current market?"
You can see TRP's view on the market by visiting the Global Market Weekly Update by using the QR in the slide deck.
"I have a retirement plan from my last job."
You can call our 800 number to get assistance from a TRP associate who will call over to the other investment company with you to complete the rollover in process.
"I should have started contributing Roth years ago."
You can start an IPRR under the Take Action tab on the Start In-Plan Roth Rollover page of the TRP website.
"Do I need to move my money to an IRA when I retire?"
You have several options when you retire. You can open a TRP IRA on the Personal Investing page of the TRP website.
"Can I withdrawal money from my 40k1?"
You can request a withdrawal under the Explore Withdrawal Options tab on the Take a Withdrawal page of the TRP website.
"I don't know how to invest?"
You can improve your financial acumen by visiting the Education Library located under the Plan and Learn tab of the TRP website.
"I'm in the RDF 2025, but I'm not retiring until 2030?"
You can process an exchange from one investment to another under the Take Action tab of the TRP website.
"Are my employer contributions Pretax or Roth?"
You can swap to Roth employer contributions under the Take Action tab on the Manage Roth Employer Contributions page of the TRP website.
"Do I have enough saved for retirement?"
If you are age 50 or older you can start Catch-up contributions under the Take Action tab on the Change Contributions page of the TRP website.
"Can I pick my own investments?"
There are more investment opportunities located under the Account Details tab on the Your Self-Directed Brokerage Account page of the TRP website.
"Am I in the right investments?"
You can review your investment options under Research Investments tab of the TRP website.
"What happens to my account if I pass away?"
You can add a beneficiary on the Profile page of the TRP website.
"Do I need to make changes to my catch-up in 2026?"
You can start Roth catch-up contributions under the Take Action tab on the Change Contributions page of the TRP website.
"Can I speak with someone who can review my account?"
You can call our 800 number to get assistance from a TRP associate who will conduct a Confidence Check-In conversation.
"Can TRP advise me on my investments?"
You can use MorningStar advice which is located under the Plan and Learn tab on the Advice from MorningStar page of the TRP website.
"What investments make up my mutual funds?"
There are more investment details in the MorningStar Fact Sheets which can be located when clicking an investment on the Investment Performance page of the Research Investments tab of the TRP website.