The increase in the percentage of salary limit in the Thrift Savings Plan in 2005 means that additional
investors who are under the FERS system must pay attention to it or else risk hitting it too early.
During the current open season running through December 31, employees may change their ongoing
investments, with FERS employees eligible to boost them to up to 15 percent of salary and CSRS
employees to up to 10 percent. At 15 percent of salary, the 2005 dollar cap of $14,000 would be hit by
anyone making $93,333 or more. Those investors should take care to plan their 2005 investments so that
they can continue investing at least 5 percent of salary
