Well, you gotta admit that CERS is bloated compared to FERS.
Let me put it to you this way: would you trade your pension for what the “newer” feds (hired since the 1990s) get?
Would you give up 70% of your salary for the tiny Thrift Savings Plan that’s been losing $$ right and left?
Pensions are old school and a thing of the past—you are lucky you have one!
Two rules. One is to BUY LOW and the other is to SELL HIGH.
Federales who are losing money kept their money in stocks too long. It's so easy to go cash ~ just go on the net, go to your account, make your changes!