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Q&A

Q&A from FedSmith authors addressing readers’ questions. We share them here to help you with your federal career or retirement planning.

Why Are the New Locality Pay Increases So Small?

FedSmith.com author Ralph R. SmithBy Ralph R. SmithApr 4, 2019 9:37 AM | Updated: Apr 16, 2019 10:18 AM Categories Federal Employee Pay News, Q&A Leave a comment
Man holding open his wallet to find no money and only a few coins falling into his hand as he appears worried that he has no money

I was shocked by the small pay increases under the new locality areas. Am I missing something?

When Do I Begin Receiving the FERS Annuity Supplement?

FedSmith.com author Ralph R. SmithBy Ralph R. SmithMar 26, 2019 11:37 AM | Updated: Apr 5, 2019 9:37 AM Categories Federal Employee Retirement, Q&A Leave a comment

 I just received my first interim FERS payment. When can I expect to begin receiving the supplement?

What Portion Do You Get Back from the FERS Refund?

By Micah PorterFeb 23, 2019 11:22 AM | Updated: Mar 5, 2019 7:19 AM Categories Federal Employee Retirement, Q&A Leave a comment
Stacks of gold coins around a question mark on a white index card all set against a white background

If you take the FERS refund, what portion of the contributions do you get back?

Will FEHB Coverage Continue During a Shutdown?

FedSmith.com author Ian SmithBy Ian SmithJan 14, 2019 2:17 PM | Updated: Jan 24, 2019 1:34 PM Categories Federal Employee Pay News, Q&A Leave a comment

Does FEHB coverage ever cease under a partial government shutdown?

How Does the Annual COLA Affect FERS Transferees?

FedSmith.com author John GrobeBy John GrobeOct 31, 2018 2:39 PM | Updated: Nov 13, 2018 12:43 PM Categories Federal Employee Retirement, Q&A Leave a comment
Senior citizen man sitting at a desk looking at bills with a puzzled look on his face

I am a FERS Transferee. How does the cost of living adjustment (COLA) affect my annuity payment?

When Will the COLA Increase Appear in My Annuity Check?

FedSmith.com author Ian SmithBy Ian SmithOct 19, 2018 3:37 PM | Updated: Oct 29, 2018 9:56 AM Categories Federal Employee Retirement, Q&A Leave a comment
Stack of coins with two peoples' thumbs holding index cards with question marks on them on both sides of the coins depicting questions about money/salary

I am a federal retiree. When will I see the annual COLA increase in my annuity payments?

Is ‘When Actually Employed’ Service Treated Differently From Full-Time Service?

FedSmith.com author John GrobeBy John GrobeSep 29, 2018 5:45 PM | Updated: Oct 10, 2018 9:58 AM Categories Federal Employee Retirement, Q&A Leave a comment
Flip chart sign labeled 'part-time work' next to an hourglass

Is WAE (When Actually Employed) service treated differently from full-time service?

Is Working after Retirement Worth the Costs?

FedSmith.com author Randy SilveyBy Randy SilveyJul 12, 2018 3:20 PM | Updated: Jul 23, 2018 10:51 AM Categories Federal Employee Retirement, Q&A Leave a comment
Blended image of an old style alarm clock, calculator and growing stacks of coins in a row depicting growth of retirement savings over time/time is money concept

Is it true that there is an income limit for federal retirees under FERS who work after retiring from federal service?

What Does ‘Creditable Civilian Service’ Mean?

FedSmith.com author John GrobeBy John GrobeJul 10, 2018 3:42 PM | Updated: Jan 10, 2022 12:44 PM Categories Federal Employee Retirement, Q&A Leave a comment
Compass with the arrow pointing towards the word 'retirement'

I often see the phrase “creditable civilian service” in FedSmith articles – what does this mean?

How is Your Retirement Annuity Calculated When Switching From CSRS to FERS?

FedSmith.com author John GrobeBy John GrobeJun 11, 2018 11:48 AM | Updated: Jun 19, 2018 7:29 PM Categories Federal Employee Retirement, Q&A Leave a comment
Pink piggy bank surrounded by a small scattering of gold coins on a wooden tabletop

How is a retirement annuity calculated for someone who switched from CSRS to FERS?

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Daily TSP Performance

May 20, 2025

Fund Last % YTD
G Fund $19.0757 +0.01% +1.71%
F Fund $19.8371 -0.15% +1.84%
C Fund $94.3320 -0.39% +1.51%
S Fund $88.5766 -0.18% -1.75%
I Fund $47.6412 +0.14% +13.71%
L Income $27.5074 -0.05% +2.87%
L 2025 $14.1579 -0.05% +2.88%
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L 2045 $16.6027 -0.14% +4.63%
L 2050 $36.5633 -0.15% +4.78%
L 2055 $18.5042 -0.18% +5.24%
L 2060 $18.5018 -0.18% +5.24%
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L 2070 $10.9641 -0.18% +5.25%
Get detailed TSP data at TSPDataCenter.com

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