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CSRS

Stay informed on the Civil Service Retirement System (CSRS) with updates on CSRS annuity calculations, eligibility rules, service credit, and annual COLA adjustments that affect federal retirees. Explore clear explanations of CSRS benefits, survivor options, retirement planning considerations, and policy changes that influence long‑term financial security for CSRS employees and annuitants. Find timely analysis and practical guidance to help you understand how CSRS retirement income is determined and how legislative or regulatory updates may impact your benefits.

Federal Retirees Get a 1.6 % COLA for 2020. No One is Applauding

By Anthony BucciOct 30, 2019 1:22 PM Categories Retirement Leave a comment
Close up of a man's hands sitting behind a desk studying bills with spread of cash and small stacks of coins in the foreground

The COLA for 2020 has been met with a tepid response. The author explains how it is calculated as well as prospects for seeing higher future COLAs.

Federal Employees Are Lucky

FedSmith.com author John GrobeBy John GrobeSep 19, 2019 11:42 AM | Updated: Oct 1, 2019 1:55 PM Categories Pay & Benefits, Retirement Leave a comment
Group of 4 happy, smiling employees/co-workers standing in a row smiling and giving a thumbs up sign

The author says that although federal employees may not think of themselves as lucky, they have plenty for which to be thankful.

The Federal Retirement Process

FedSmith.com author Carol SchmidlinBy Carol SchmidlinJul 22, 2019 1:48 PM Categories Retirement Leave a comment
Words 'retirement plan' written on a notebook sitting on a desk next to a pen, notepad and decorative plant

The author describes the retirement planning process for federal employees under both FERS and CSRS.

Federal Employee Survivor Spousal Checklist

FedSmith.com author Carol SchmidlinBy Carol SchmidlinJul 9, 2019 5:09 PM | Updated: Jul 28, 2020 5:28 PM Categories Retirement Leave a comment
Illustration of a checklist labeled 'retirement plan'

What should a federal employee’s surviving spouse do when s/he dies? This is a checklist for handling federal benefits.

Anticipating the 2020 COLA

FedSmith.com author Ralph R. SmithBy Ralph R. SmithJun 15, 2019 8:19 AM | Updated: Jun 26, 2019 10:52 AM Categories Retirement Leave a comment
Potted plant in the shape of a green question mark surrounded by stacks of gold coins depicting questions/uncertainty about a pay raise or money

What is the likelihood that COLA recipients see an increase in their annuity payments in January?

CSRS Offset: An Explanation of the Basics

By Ehren ClovisApr 2, 2019 2:00 PM | Updated: Apr 13, 2019 9:18 AM Categories Retirement Leave a comment
Close up of a woman's hand holding a pen as she sits at a desk with an open workbook, calculator, stacks of coins growing in size from left to right, and a jar of coins labeled retirement as she is working on retirement planning

What is CSRS Offset, and what impact does it have on your pension in retirement?

Connolly Trying Again to Change FERS COLAs

FedSmith.com author Ian SmithBy Ian SmithFeb 21, 2019 9:32 AM | Updated: Mar 5, 2019 7:19 AM Categories Retirement Leave a comment
Notebook on a desk labeled 'cost of living adjustments' next to a calculator - COLA, FERS, CSRS retirement

Legislation has been reintroduced to equalize COLAs paid to federal retirees under FERS and CSRS.

Military Deposits and Your Annuity

FedSmith.com author John GrobeBy John GrobeDec 10, 2018 2:46 PM | Updated: Dec 18, 2018 7:11 PM Categories Retirement Leave a comment
Close up of cash in the pocket of a military uniform - military benefits, pay

How do military deposits affect FERS and CSRS retirement calculations? Here is an overview.

IG Labels CSRS Improper Payments ‘High-Risk’

FedSmith.com author Ian SmithBy Ian SmithDec 8, 2018 1:12 PM | Updated: Jul 5, 2019 10:19 AM Categories Retirement Leave a comment

A recent OPM Inspector General’s report said that improper payments made under federal employee retirement systems represent a “high risk.”

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 Q&A, Retirement 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?

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Daily TSP Performance

April 10, 2026

Fund Last % YTD
G Fund $19.8154 +0.01% +1.16%
F Fund $20.9622 -0.12% +0.39%
C Fund $109.4304 -0.10% -0.08%
S Fund $103.1166 -0.39% +2.70%
I Fund $60.3073 +0.45% +8.68%
L Income $29.7669 +0.02% +1.79%
L 2030 $59.4657 +0.03% +2.35%
L 2035 $18.1407 +0.03% +2.61%
L 2040 $69.6327 +0.03% +2.72%
L 2045 $19.2855 +0.03% +2.82%
L 2050 $42.7658 +0.04% +2.92%
L 2055 $22.1381 +0.05% +3.31%
L 2060 $22.1355 +0.05% +3.31%
L 2065 $22.1327 +0.05% +3.31%
L 2070 $13.1177 +0.05% +3.31%
L 2075 $11.4584 +0.05% +3.31%
Get detailed TSP data at TSPDataCenter.com

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