There’s a special consideration for those under the Federal Employees Retirement System who invest at or near the annual maximum, which will rise in 2018 to $18,500 from $18,000. They must make sure they can continue investing at least 5 percent of salary through every pay period of the year. If they hit the limit before that, matching contributions from the government of up to 4 percent of salary will stop until the next year. That’s leaving money on the table, money they’ll never get back.
However, they still would receive the 1 percent of salary automatic contribution the government makes into the TSP for all FERS employees.
Those under the Civil Service Retirement Systems get no employer contributions, so that’s not a consideration for them.