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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.

Complete Guide to FERS

FedSmith.com author Brennan RhuleBy Brennan RhuleFeb 8, 2024 9:22 AM | Updated: Dec 13, 2024 1:12 PM Categories Federal Employee Retirement Leave a comment
Bird's nest with a golden egg in it labeled 'retirement' depicting retirement savings/retirement nest egg

This is a detailed guide to help federal employees understand the Federal Employees Retirement System (FERS).

How is Your Retirement Income Taxed?

FedSmith.com author Justin HoltzBy Justin HoltzFeb 2, 2024 8:55 AM Categories Federal Employee Retirement Leave a comment

What taxes can federal employees expect to have on their income in retirement?

TSP Distributions and Tax Planning for Federal Retirement

FedSmith.com author Brad BobbBy Brad BobbJan 25, 2024 10:05 AM | Updated: Jan 26, 2024 10:59 AM Categories Federal Employee Retirement Leave a comment
Spread of $100 bills in cash on top of a financial document with a bar chart visible and a calculator seen off to the side

This detailed example illustrates ways that federal employees under FERS can minimize taxes on their retirement income.

The Only 3 Things That Can Increase Your FERS Pension

FedSmith.com author Dallen HawsBy Dallen HawsJan 24, 2024 11:15 AM | Updated: Oct 23, 2024 2:28 PM Categories Federal Employee Retirement Leave a comment

There are ultimately only 3 variables federal employees can control to try to increase their FERS pensions.

Requirements and Retirement: A Guide for Air Traffic Controllers

FedSmith.com author Benjamin DergeBy Benjamin DergeJan 16, 2024 1:35 PM | Updated: Jun 9, 2025 7:56 PM Categories Federal Employee Retirement

Air traffic controllers have different retirement rules than most federal employees under FERS.

How to Confirm Your Retirement Take-Home Income

FedSmith.com author Steven PuckettBy Steven PuckettDec 8, 2023 9:55 AM Categories Federal Employee Retirement Leave a comment
Old style alarm clock sitting on a desk in front of a desktop calendar and a blurred image of a businessman working on a calculator sitting at a desk in the background

It is important for federal employees to know how to calculate their take home income in retirement.

Divorce is Expensive But One FERS Retiree Owes Former Spouse Less Than OPM Calculated

FedSmith.com author Ralph R. SmithBy Ralph R. SmithDec 7, 2023 8:27 AM Categories Court Cases Leave a comment
Wooden judge's gavel on a wood desk surface

Should the FERS annuity supplement be included when awarding payments to a former spouse? The MSPB upholds a federal retiree’s request for lower payments.

How Much Income Will Your FERS Pension Replace?

FedSmith.com author Justin HoltzBy Justin HoltzNov 7, 2023 8:15 AM | Updated: May 24, 2024 2:58 PM Categories Federal Employee Retirement Leave a comment

The FERS annuity is an important part of a federal employee’s retirement income, but there are other factors that must be considered.

Legislation Would Expand Retirement Options for Some Federal Employees

FedSmith.com author Ian SmithBy Ian SmithOct 26, 2023 1:45 PM Categories Federal Employee Retirement Leave a comment

Legislation has been reintroduced to allow a buyback for time working as a temporary employee to count toward federal retirement payments.

FERS vs. CSRS: How is the 2024 COLA Calculated?

FedSmith.com author Ralph R. SmithBy Ralph R. SmithOct 13, 2023 6:35 AM Categories Federal Employee Retirement Leave a comment
Illustration of a person's hand holding a magnifying glass over a spread of money studying finances

The 2024 COLA was announced on October 12, 2023. Not all federal retirees will receive the same COLA. Here is how the COLA calculation works.

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Daily TSP Performance

June 17, 2025

Fund Last % YTD
G Fund $19.1403 +0.01% +2.06%
F Fund $20.0312 +0.34% +2.84%
C Fund $95.1138 -0.83% +2.35%
S Fund $88.6043 -0.84% -1.72%
I Fund $48.3430 -1.00% +15.39%
L Income $27.6563 -0.21% +3.42%
L 2025 $14.2357 -0.22% +3.45%
L 2030 $52.9030 -0.51% +4.87%
L 2035 $15.9819 -0.56% +5.11%
L 2040 $60.8681 -0.61% +5.34%
L 2045 $16.7455 -0.66% +5.53%
L 2050 $36.8886 -0.70% +5.71%
L 2055 $18.6804 -0.88% +6.24%
L 2060 $18.6781 -0.88% +6.24%
L 2065 $18.6756 -0.88% +6.24%
L 2070 $11.0687 -0.88% +6.26%
Get detailed TSP data at TSPDataCenter.com

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