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FERS

Unlock the complexities of the Federal Employees Retirement System (FERS) with our insightful collection of articles. Federal retirees will find resources to help learn about the intricacies of FERS annuities, exploring key aspects of retirement planning and financial security. Stay informed about the impact of Cost of Living Adjustments (COLA) on FERS benefits, ensuring a comprehensive understanding of your retirement income. Explore topics ranging from annuity calculations to the latest updates on COLA adjustments, empowering you to make informed decisions for a secure and fulfilling retirement.

Retirement Benefits When Leaving Federal Service

FedSmith.com author John GrobeBy John GrobeJul 11, 2017 10:44 AM | Updated: Jul 17, 2017 9:13 PM Categories Federal Employee Pay News, Federal Employee Retirement Leave a comment
The words 'post-retirement benefits' on a sheet of paper next to books and a pen on an office table

What retirement benefits will you have available when you decide to retire from federal service? This is what you can expect.

What If FERS Changed? Can You Still Retire Comfortably?

By Kelly MonroeJul 9, 2017 12:03 PM | Updated: Sep 4, 2017 7:50 AM Categories Federal Employee Retirement Leave a comment
Cartoon stick figure holding a complex looking chart with the words 'FERS pension' at the top

Cuts to retirement programs have been proposed which has many federal employees worried. Can you still retire comfortably if some of these changes were enacted?

This Widow Does Not Meet the Legal Definition of ‘Widow’ for Federal Retirement Purposes

FedSmith.com author Susan McGuire SmithBy Susan McGuire SmithJul 5, 2017 11:55 AM | Updated: Jul 10, 2017 6:28 PM Categories Court Cases Leave a comment

The widow of an FBI employee is ruled not eligible for a FERS annuity survivor’s benefit since the length of her marriage was less than 9 months at the time of her husband’s death.

House Republicans Push Back Against Proposed Benefits Cuts

FedSmith.com author Ian SmithBy Ian SmithJun 28, 2017 1:10 PM | Updated: Jul 6, 2017 8:39 AM Categories Federal Employee Pay News Leave a comment
Scissors on a table lying next to the word 'salary' cut in half

A group of House Republicans recently went on record as being against proposed cuts to federal employees’ pay and benefits.

Letters Express Opposition to Proposed Benefits Cuts

FedSmith.com author Ian SmithBy Ian SmithJun 19, 2017 9:44 AM | Updated: Jun 23, 2017 7:39 AM Categories Federal Employee Pay News Leave a comment
Scissors cutting a $20 bill in half

Two letters were sent last week to Congress expressing opposition to proposed cuts to federal employee benefits in the White House’s budget proposal.

5 Social Security Questions Everybody Should Be Able To Answer (Before Retiring)

By Kelly MonroeMay 30, 2017 2:22 PM | Updated: Jan 25, 2021 11:51 AM Categories Federal Employee Retirement Leave a comment
Illustration showing where the full retirement age for Social Security falls between age 62 and age 70

When is the best age to take Social Security? The author provides some considerations for federal employees under FERS.

2018 Budget Proposes Eliminating COLAs, Increasing Retirement Contributions

FedSmith.com author Ian SmithBy Ian SmithMay 23, 2017 3:12 PM | Updated: Feb 12, 2018 3:21 PM Categories Federal Employee Pay News, Federal Employee Retirement Leave a comment

The 2018 budget proposal from the White House includes various cuts to federal employee retirement programs. Here is a summary of the proposed changes.

Scrutinizing Federal Employee Benefits

FedSmith.com author Ralph R. SmithBy Ralph R. SmithMay 21, 2017 4:08 PM | Updated: Jun 30, 2019 5:09 PM Categories Federal Employee Pay News Leave a comment
Set of icons depicting typical employee benefits

Are changes likely to be made to federal employee benefits? New proposals will likely be upsetting to some readers. Here is an analysis.

Nervous Feds Nearing Retirement Continue to Ask, ‘Am I Invested Correctly?’

FedSmith.com author Randy SilveyBy Randy SilveyMay 17, 2017 11:12 AM | Updated: May 20, 2017 2:49 PM Categories Federal Employee Retirement, Q&A Leave a comment
Cartoon of a person looking confused while staring at two signs, one labeled 'risk' and one labeled 'safe'

I am under FERS and plan to remain in federal service until I get an additional 10% annuity, but am wondering if my TSP funds are invested correctly.

Contributing Too Much to the TSP Will Reduce Your Match

FedSmith.com author Neal ThompsonBy Neal ThompsonMay 3, 2017 3:36 PM | Updated: Oct 25, 2018 11:07 AM Categories Federal Employee Pay News Leave a comment

If you contribute too much to the TSP each pay period, it can actually cause you to lose money. The author provides a detailed explanation.

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Take Our Poll

Do you invest in one of the TSP L Funds?

  • No (61%, 614 Votes)
  • I invest in both L Fund(s) and core fund(s) (21%, 213 Votes)
  • I put everything in one L fund (14%, 139 Votes)
  • I invest in multiple L Funds (4%, 41 Votes)

Total Voters: 1,007

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Daily TSP Performance

July 11, 2025

Fund Last % YTD
G Fund $19.1960 +0.01% +2.36%
F Fund $20.1001 -0.41% +3.19%
C Fund $99.5836 -0.33% +7.16%
S Fund $93.5647 -1.07% +3.79%
I Fund $49.6648 -0.67% +18.54%
L Income $28.0197 -0.16% +4.78%
L 2030 $54.2736 -0.35% +7.59%
L 2035 $16.4319 -0.38% +8.07%
L 2040 $62.7184 -0.42% +8.54%
L 2045 $17.2868 -0.45% +8.94%
L 2050 $38.1521 -0.47% +9.33%
L 2055 $19.4441 -0.54% +10.58%
L 2060 $19.4417 -0.54% +10.59%
L 2065 $19.4392 -0.54% +10.59%
L 2070 $11.5212 -0.54% +10.60%
L 2075 $10.0639 -0.54% %
Get detailed TSP data at TSPDataCenter.com

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