SPDR Dow Jones Industrial Average ETF Trust is an exchange-traded fund incorporated in the USA. The ETF tracks the Dow Jones Industrial Average Index. The ETF holds the 30 large-cap US stocks that represent the Index. This ETF is registered as a Unit Investment trust and pays a monthly dividend representing dividends paid by the underlying stocks. The ETF's holdings are price weighted.
Creditable service under FERS usually includes Federal covered service, that is, service in which the individual's pay is subject to FERS retirement deductions, such as service under a career or career conditional appointment,
Until 1984, employment by the federal government was covered under the Civil Service Retirement System (CSRS) and not by Social Security. If you worked for a federal agency during those years, you did not pay Social Security tax on your earnings and those earnings are not shown on your record. In 1984, a second retirement systemâthe Federal Employees Retirement System, or FERSâwas introduced. People who began working for the Federal government in 1984 or later are covered by FERS instead of CSRS. Also, some workers who had been covered by the CSRS program chose to switch to the FERS program when it became available. Work under FERS is covered by Social Security.