The comparison of CSRS vs FERS retirement plans reveals distinct approaches to securing your future. CSRS offers a traditional pension, best suited for long-serving federal employees, while FERS vs CSRS Retirement integrates Social Security and TSP contributions, offering flexibility. Key considerations include your years of service, risk appetite, and financial goals. Tools like the Federal Retirement Estimator can guide your decision-making process. By understanding the advantages and limitations of both systems, federal employees can confidently choose the retirement plan that aligns with