Csrs Vs Fers, with no reliance on Social Security. FERS, applicable to newer hires, integrates Social Security, a smaller pension, and the Thrift Savings Plan (TSP), offering flexibility and employer-matched contributions. While CSRS retirees enjoy a larger guaranteed pension, FERS participants benefit from a diversified income stream and portability of retirement funds. Deciding whic... https://www.federalpensionadvisors.com/post/csrs-vs-fers