How the TSP Rule of 55 Compares to Other Retirement Plans The TSP Rule of 55 applies only to TSP and certain 401(k) plans, but not to IRAs. Traditional and Roth IRAs require individuals to wait until age 59½ to withdraw without penalties unless they qualify for special exceptions. Some 401(k) plans also allow penalty-free withdrawals under similar rules, but employer policies vary. R... https://www.federalpensionadvisors.com/post/tsp-rule-of-55