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“Retirement plan” is a catch-all for many different kinds of savings vehicles and accounts — and the IRS lists at least 15 different kinds. Tax-advantaged retirement accounts
Most new federal employees hired on or after January 1, 1987, are automatically covered under FERS. Those newly hired and certain employees rehired between January 1, 1984, and December 31, 1986, were automatically converted to coverage under FERS on January 1, 1987; the portion of time under the old system is referred to as "CSRS Offset" and only that portion falls under the CSRS rules.
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Thrift savings plans and 401(k)s are two types of retirement plans. We go over the characteristics of each type of plan. Retirement Basics: Thrift Savings vs. 401(k) Plans
If you decide that your 401(k) savings need work in the coming years, by all means, do what you can to increase your contributions. But make that decision based on your own numbers -- not the ...
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