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Yet 43% of those aged 55-64 and 49% of retirees 65-74 lack a retirement account, according to 2022 figures from the U.S. Federal Reserve. Those two figures represent a bracing discrepancy.
The Civil Service Retirement System (CSRS) is a public pension fund organized in 1920 that has provided retirement, disability, and survivor benefits for most civilian employees in the United States federal government.