I was half-listening to Dave Ramsey's podcast on ITunes yesterday while getting some work done. My ears perked up when a caller asked whether he should roll-over his TSP into an IRA at Vanguard after separating from Federal Service.
This is my exact situation, and my TSP is the only account I haven't consolidated into my Vanguard Target Retirement Fund.
Dave told the guy to roll it over, since you have more choices at Vanguard, and the choices in the TSP are very limited. I went and did a little research on my own.
Here is a breakdown of TSP(Barclays) vs Vanguard fund fees:
0.15% G Fund -
0.15% F Fund - 0.20 (VBMFX) Total Bond Market Index
0.15% C Fund - 0.15% (VFINX) S&P 500 Index
0.15% S Fund - 0.24% (VEXMX) Extended Market Index
0.15% I Fund - 0.22% (VDMIX) Developed Markets Index
0.15% L2040 - 0.19% (VTIVX) Target retirement 2045
Barclays gets a subsidy for managing the TSP, hence the really low fees. Considering the near identical 5/10 year returns I don't really see the point of switching unless you're 100% in the C fund.
Am I missing something here?