Greetings all- Have just left the federal government with 10 1/2 years service and will reach the minimum retirement age (MRA) in September. I know that I can apply for my annuity at that time, however, there is a 5% permanent reduction in the benefit for every year one is under 62 yrs of age (30% for me). I also know that I can defer the annuity to avoid the reduction but don't particularly trust "the system" and that the money will be there in 6 years. Looking for insight from any former feds who chose to defer and what their experiences were. Thanks!