No. of Recommendations: 1

I'm in the same boat as you as far as time to go towards retirement (will hit 20 in 2005, but will stay til 2009).

I have a Roth IRA, TSP, and a regular brokerage account. I treat all three as 1 piece of a bigger picture and ensure my total mix is 75% stocks and 25% bonds (My personal preference). I would recommend you take a look at all your investments in their entirety (don't forget to include that nice pension either) and decide the individual mix based on the bigger picture.

Also, take a really close read at this publication:

There are serious tax implications by taking withdrawals prior to age 59.5, to include a 10% early withdrawal penalty.

You also indicate you will be moving on to civil service after retiring from the military. I would roll your TSP into the CFERS TSP and let it keep going til you are eligible for penalty free distributions (but that's just me). But don't forget, even when you take distributions after 59.5, these are still taxable events.

Finally, I'll give you a reading recommendation. It's one of the best books on investing I've ever read.

"The Four Pillars of Investing" by William Bernstein. It's a very well thought-out book with outstanding information.

Good Luck,
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