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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.

Will My Federal Retirement Benefits Be a Meaningful Source of Income for Me?

FedSmith.com author John GrobeBy John GrobeMay 22, 2018 3:28 PM | Updated: Aug 30, 2022 3:45 PM Categories Federal Employee Pay News, Q&A Leave a comment
Stacks of coins getting progressively larger in size in the foreground with a blurred image of an old style alarm clock and jar full of money in the background depicting saving for retirement and the future

I entered federal service late in my working life (at age 52). Will my federal retirement benefits be a meaningful source of income for me?

TSP and Combat Zone Pay

FedSmith.com author John GrobeBy John GrobeApr 18, 2018 12:36 PM | Updated: Apr 30, 2018 12:06 PM Categories Federal Employee Pay News, Q&A Leave a comment
Image of a metal piggy bank opened in the middle separating it into two parts and spilling coins out onto a solid white surface depicting withdrawing savings

I contributed to the Thrift Savings Plan from tax exempt combat zone pay. What will happen when I begin withdrawing money from the TSP?

Marrying Before or After Your Federal Retirement: Pros vs. Cons

FedSmith.com author John GrobeBy John GrobeMar 14, 2018 10:33 AM | Updated: Apr 6, 2022 7:49 AM Categories Federal Employee Retirement, Q&A Leave a comment
Retired/senior couple enjoying a vacation at the beach

I’m retiring in a few years and I’m in a long-term relationship, but I’m not married. What are the pros and cons of marrying before or after retirement?

Is Common Sense All You Need to Plan Your Retirement?

FedSmith.com author Randy SilveyBy Randy SilveyMar 12, 2018 12:05 PM | Updated: Sep 1, 2021 12:18 PM Categories Federal Employee Retirement, Q&A Leave a comment
Hand writing the text: Whats Your Plan for Retirement?

I’ve read about what to do with my TSP after retirement, but I believe all we can do is use common sense and hope that our money will grow and last.

Can I Estimate What My Monthly CSRS and Social Security Payments Will Be?

By Debbie VenselMar 8, 2018 2:00 PM | Updated: May 21, 2023 7:53 AM Categories Federal Employee Retirement, Q&A Leave a comment

I’m confused about my 35 years of CSRS Offset and Social Security pensions. Can I estimate how much will I get in monthly pensions from both?

Can LEO Employees Extend Their Service Outside of Law Enforcement to Become Eligible for the 1.1% Annuity Computation?

FedSmith.com author John GrobeBy John GrobeFeb 22, 2018 11:14 AM Categories Federal Employee Retirement, Q&A Leave a comment

Can a law enforcement employee extend working years in a non-law enforcement capacity to become eligible for the 1.1% FERS annuity calculation?

What Impact Does Sick Leave Have on the FERS Annuity Computation?

FedSmith.com author John GrobeBy John GrobeFeb 14, 2018 1:57 PM | Updated: Feb 22, 2018 8:14 AM Categories Federal Employee Retirement, Q&A Leave a comment
Close up young woman's hands using a calculator at a desk to make financial calculations while taking notes on a notepad

Because unused sick leave is used in the computation of my annuity, will it allow me to receive the 1.1% FERS computation factor?

Shrinking Supplemental Annuity Payments: Response from OPM

FedSmith.com author Ralph R. SmithBy Ralph R. SmithFeb 13, 2018 4:24 PM | Updated: Feb 19, 2018 2:01 PM Categories Federal Employee Retirement, Q&A Leave a comment

Readers have asked questions about the reduction in their annuity payments for retired federal law enforcement officers. Here is OPM’s response.

What’s the Difference in the 1% and 1.1% FERS Annuity Computations?

FedSmith.com author John GrobeBy John GrobeFeb 6, 2018 1:41 PM | Updated: Feb 16, 2018 9:26 AM Categories Federal Employee Retirement, Q&A Leave a comment

I’ve heard that there are two different computation factors that are used in computing the FERS annuity; 1% and 1.1%. What’s the difference between them?

Does My Locality Pay Rate Include the Basic Percentage Increase?

FedSmith.com author Ralph R. SmithBy Ralph R. SmithJan 11, 2018 1:44 PM | Updated: Jan 18, 2018 6:53 PM Categories Federal Employee Pay News, Q&A Leave a comment
Series of red blocks of varying sizes each containing a white percent sign set against a white background

Does the locality pay raise percentage cited for 2018 include the basic pay raise of 1.4%?

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Daily TSP Performance

May 16, 2025

Fund Last % YTD
G Fund $19.0667 +0.01% +1.67%
F Fund $19.8702 +0.05% +2.01%
C Fund $94.6008 +0.71% +1.80%
S Fund $88.9812 +1.01% -1.30%
I Fund $47.2925 +0.28% +12.88%
L Income $27.4974 +0.17% +2.83%
L 2025 $14.1527 +0.18% +2.84%
L 2030 $52.4907 +0.37% +4.05%
L 2035 $15.8511 +0.40% +4.25%
L 2040 $60.3474 +0.44% +4.44%
L 2045 $16.5970 +0.47% +4.59%
L 2050 $36.5506 +0.49% +4.74%
L 2055 $18.4951 +0.59% +5.19%
L 2060 $18.4928 +0.59% +5.19%
L 2065 $18.4903 +0.59% +5.19%
L 2070 $10.9587 +0.59% +5.20%
Get detailed TSP data at TSPDataCenter.com

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