Only one group of people have the opportunity to create a large Roth account at will, the CSRS employee. CSRS and CSRS Offset employees may use the Voluntary Contribution Program (VCP) to quickly create a funded Roth IRA. Using the VCP, CSRS employees can create a Roth IRA with completely tax free earnings, regardless of income. The maximum amount that may be contributed to the VCP is 10% of your CSRS lifetime earnings. All service deposits and re-deposits must be made before VCP contributions may be made.
Below is an illustration of the process of funding the VCP and transferring it to a Roth IRA.
