Are there RMDs (Required Minimum Distributions) for Roth TSPs?

No, Roth TSP funds are not subject to Required Minimum Distributions (RMDs) for the account owner, as per the SECURE Act 2.0, effective for the 2024 tax year and later. This eliminates the need to take money out of Roth TSP accounts and brings the rules in line with Roth IRAs. However, Roth TSP funds are included in RMD calculations for beneficiary participants, and the beneficiary spouse can often treat the inherited Roth TSP as their own, potentially resetting the RMD rules based on their own age.

For more information check out this article at the official TSP website: https://www.tsp.gov/making-contributions/traditional-and-roth-contributions/

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