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I'm gonna be doing a quick comparison for federal employees for the CSRs system versus the F ers system real quick I'm just gonna get into the the pension or the annuity portion and how it's calculated and then how you can use the TSP there's gonna be a lot of differences but I just want to break down those two as they're the major parts if you were part of the CSRs system then what you'll do is you'll find out your high three and what that is is the average salary of your best three consecutive years so you're gonna take the average of those three and you're gonna use that as your base to multiply these percentages about to give you so for CSRs they kind of break it down into a few segments years one through five is 1.5 percent so year 11.5% times the high three I just mentioned year two same thing three four year five then when you get to year six the percentage goes up to one point seven five so and it sticks to there up until year ten so year seven you know you're multiplying 1.75 by that high three number you're eight you're nine year ten same thing years eleven and on you're gonna be multiplying by two percent before FERS F ers for the this one's a little different for the first 20 years of service it's only one percent and it's pretty flat pretty simple under age 62 or if you're age 62 with less than 20 years of experience now after age 62 or older as long as you have 20 years of experience then it'll be 1.1 percent so it increases a little bit also just to let you know if you are a cop or a firefighter or a nuclear materials Quarrier or congress it's a little bit higher a little bit higher than if you don't have one of those specific jobs in the FERS you do get matching contributions for your TSP account which is the huge difference in the TSP accounts from the old system to the new they will match up to five percent the first three percent of that five is dollar for dollar the next two percent of that five percent is fifty cents to the dollar so the benefit with the CSRs is obviously the pension the benefit of the first system is the matching contributions that come along with the TSP account.