Categoría: Forex Trading

Umarkets does charge Umarkets clients small withdrawal fees. Brokers typically attempt to compensate for lack of commissions by charging inactivity fees. A Forex broker keeps this spread as their fee/commission. A trader may also pay commission or a fee for buying and selling other investments, like options or exchange-traded funds. You should only risk capital with Umarkets that you can afford to lose.Understand your risk tolerance with Umarkets, and have a trading strategy that Umarkets is able to help you execute.

Umarkets Web Trading Platform

This umarkets review covers both the pros and cons you need to know before you make an account. Another concern with online trading brokers with regards to security might be manipulation of trading. This means that umarkets users don't need to worry about their money as it is segregated and safely stored in established banks.

• Umarkets support various languages including English, Spanish, Polish, Chinese, Japanese, Korean, Vietnamese, and Arabic
• It’s a great platform for experienced traders because it has a lot of analysis tools and indicators.Expert advisors and signals can also be used to automate trading.
• The information contained in this website is for informational purposes only and does not constitute financial advice.
• The broker goes to great lengths to understand what dealers need.

There can also be additional fees, such as inactivity charges, withdrawals and transfers.

Investors can log in to their Umarkets trading account, type in their credit card information and the funds required will be posted in a number of business days. Some financial instruments Umarkets offer may be restricted in your country. The Umarkets trading platform is available for residents in US. Apart from the restricted countries a Umarkets trading account can be opened globally. Umarkets trading accounts are available in over 194 countries. Our Umarkets account was validated in 1 day, but live Umarkets trading account verification times will vary depending on the time it takes to process your KYC documents and Umarkets trading account application.

As you already know, umarkets works with good conformation to regulations. You will probably also have top go through the standard KYC (Know Your Customer) checks but umarkets are normally pretty quick with this. This means that at all times, umarkets must know exactly who they are dealing with so that if there is any investigation they are comfortable that they are well within the law. Nevertheless, umarkets doesn't provide assured stop-loss protection. You can drop all your worries since we believe that umarkets is completely safe to use.

Potential Limitations

It also offers a wealth of information and trading skills. The platform is designed for intuitive navigation, rapid execution, and effective analysis, integrating features such as charts, Autochartist technology, and direct access to trading tools. One of Umarkets’ distinguishing features is its xCritical trading platform.

Download the umarkets MetaTrader 4 Program free of charge from Apple's App Store. You will not be able to trade Stocks, Indices, Commodities, ETFs, Futures on any MetaTrader 4 (MT4) platform unless they are CFD contracts or Spread bets. They offer a large range of options in their https://forex-review.net/umarkets/ customer accounts.

You will find the clean design of this platform along with the admirable features that are pleasant to work with. Umarkets is an acclaimed fintech company, which operates with transparency. Umarkets is a legit company headquarted in Bulgaria since 2018. It's an excellent and intuitive platform with helpful features for your simplicity. It takes an SMS affirmation for you to access your accounts.

You can withdraw cash from your Umarkets brokerage account if you have available funds.

• Umarkets have a minium deposit requirement of 500 before trading.
• We’ve scoured the web to find the best alternatives to umarkets.
• The overall average of email support provided by umarkets was good.

Before you place a trade on Umarkets, you will be shown a review of your order with a brief time limit within which to accept the order and allow it to go through.Another feature that is very useful on Umarkets is the ability place trades in several ways and execute a variety of manoeuvres on a trading pair simultaneously. By doing so you are able to view a company's share price and financial details, such as revenues, price earnings, and price to earnings ratio.One of the most notable features of Umarkets is its customisability and search functions. Umarkets is regulated by the Financial Conduct Authority, meaning that it must always take the relevant steps to ensure its users' money is safe. A Umarkets market order is an order to buy or sell a stock at a market's best available price in that current moment.

MetaTrader 5 is a multi-asset trading platform that supports Forex, stocks, and futures trading.It has advanced capabilities for price analysis, algorithmic trading (trading robots, Expert Advisors), and copy trading. MetaTrader 4 can be used to trade a variety of markets via CFDs, including forex, indices, cryptocurrencies, and commodities, however it is most usually linked with FX trading. No underlying assets are exchanged on a CFD trade, it is purely a speculative deal on the up or down price movement on an aggreed financial asset between the trader and CFD broker. A forex broker, is a financial institution that allows you to purchase and sell currencies.It functions as an intermediary between merchants and the interbank market, which is a global market where foreign currency can be traded.A forex broker would traditionally buy and sell currencies on your behalf.

This includes detailed economic calendars and technical analysis, as well as tutorials on trading in all its facets.Umarkets also offers a variety of research-backed analyses tools with regards to the financial markets and investments from top analysts and traders. In the world of stock investing it is not uncommon for a platform to offer new users, or users of certain categories, a free stock for joining the platform.Umarkets often affords users a free stock for simply opening an account with them, but at other times requires users to take certain actions, such as making a minimum deposit or actually making a trade. Stockbrokers act as a link between markets (such as exchanges) and the general public.Customers place orders with brokers, and brokers endeavour to fill them as cheaply as feasible.They are compensated with a fee known as a commission.As online brokerage systems allow consumers to enter their own orders via the web or mobile app, many stockbrokers have converted to financial counsellors or planners. On the other hand, Umarkets offers both beginners and experienced traders comprehensive and competitive trading conditions with a choice between account types and popular trading platforms. According to research recently done, Umarkets is an STP offshore broker and offers traders worldwide access to a range of assets for trading by using flexible and powerful platforms. Umarkets non-trading fees include a variety of Umarkets brokerage fees and charges that a trader will pay which are not related to buying and selling financial instruments using the Umarkets trading platform.

and customized to maximize a traders ability to interface with markets and make decisions in real time.

This means you are able to move in or out of a stock without needs to be constantly watching market movements at your desk. These can be crucial as they allow one to receive push notifications when a specific position hits a certain price. Using a web browser, investors and trading can follow bid-ask spreads, place take profit orders, or place stop loss orders, and track any positions that have been executed.

After my broker disappeared, I tried to contact the company many times to tears. I have had an agreement with him that I will be trading half a year and than use my funds to pay my obligations. More than a year ago I invested 1000usd, and after two months my broker disappeared at the time the war was starting. One day when i logged in the trading program was all in russian. Consider your money as stolen.

The Majority of the brokerage platforms offer fewer procedures than umarkets Umarkets has over 216 trading tools to support all kinds of traders. Umarkets's social trading platform allows traders to share their expertise with others to build a community of investors and traders. The educational department at umarkets is very insightful for new traders as it allows them to have a closer look in the financial markets. Over the past 8 years, umarkets has become one of the leading online brokers available to the public.

Umarkets is a trading partner that has paved its way successfully to the broker world. So, make yourself comfortable, grab a cup of coffee, and immerse yourself in learning about umarkets and how it can benefit you, or if umarkets might not be the right fit for you. As such, we've provided this comprehensive umarkets review. We recognize that well-informed decisions with umarkets are the cornerstone of successful trading.

Umarkets Customer Support

This means you can monitor the best performing brokers and instantly mirror their trades and benefit from their experience Umarkets helps to ensure that the individual needs of all traders are met to the best of their ability. These advantages are what sets umarkets ahead of all other online agents. Social and easy to use trading solutions are the heart at umarkets.

Which stocks they are following, what stocks to buy, and what stocks to sell. A new dealer can learn from business experts using the automatic copy trading alternative. Umarkets admits the significance of having a fast order execution. The broker goes to great lengths to understand what dealers need.

The majority of Umarkets trading fees, commission is either a flat fee per trade or calculated based on the number of traded shares. Umarkets offers stock quotes and trade information, making it easy for users to view how their investments are doing. Umarkets is presented as a premium forex and multi-asset broker providing a broad range of trading services for both beginners and experienced traders. However, just like all online trading platforms, it is important to note that traders can also lose money. The best way to kickstart your trading career with umarkets is to open a demo account facility before risking any real money

Umarkets offers livechat support.

Forex trading, or currency or FX trading, involves the currency exchange market where individuals, companies, and financial institutions exchange currencies for one another at floating rates. The Autochartist, which is a tool that scans markets for chart patterns and trading opportunities fully autonomously, is integrated with XCritical. The xCritical platform is a relatively new platform and a good alternative to MT4 and the most used platform at Umarkets. MT4 is still the most popular platform and is available as a desktop and mobile version as well as a web trader. The Umarkets Demo account is virtually funded but the fund amount is not indicated.

If you’re new to investing or need a refresher, Fidelity’s Learning Center offers an array of educational materials. With no minimum deposit requirement and no commissions on U.S. stocks, ETFs or options trades, it can be a cost-effective option for beginner investors. Fidelity earns a spot near the top of our list for its vast investment offerings, minimal fees and breadth of expert insights and educational resources. Though you can invest in assets that are part of the cryptocurrency ecosystem, you can’t directly buy or sell crypto using Schwab. Plus, you can find a vast library of information about investing basics, market commentary and even trading demos. Charles Schwab offers a wide range of commission-free investment products and has no minimum deposit requirements.

• The “User Agreement” is the main document, which must be read by the trader before starting cooperation with the exchange.
• TradeStation is best known for its impressive desktop platform.
• This allows new traders to start small and use low-risk investing strategies such as dollar cost averaging to build a diverse long-term portfolio.
• A cryptocurrency brokers crypto exchange is a platform that facilitates the buying and selling of cryptocurrencies through brokerage services.
• & Co. in 1978 by its current chairman, Thomas Peterffy, the company pioneered the use of computers in trading.

TradeAllCrypto

A well-designed, intuitive platform can make trading easier and more enjoyable for traders of all levels, but especially for beginners. Some brokers now offer fractional shares, which allow investors to buy a portion of high-priced stocks and ETFs. The commissions and fees your broker charges directly impact your bottom line and can be a major factor to consider, especially for active traders. Investors choosing an online broker will find a wide range of options, each with varying product offerings, cost structures, and features.

IC Markets

• For more support on how to choose a broker, you can check out our guide to choosing a stock broker.
• Nowadays, with rare exceptions, online brokers offer commission-free stock, ETF, and mutual fund trading, but still charge for options trades.
• You can explore cryptocurrencies in the “Discover” tab or use the search box to look for a specific coin.
• Investors will appreciate Webull’s comprehensive and user-friendly desktop and mobile platforms, which offer charting and custom trading tools.
• The broker has no account minimum, but its account fees are on the higher end.

It acts as an intermediary between the user and the market, simplifying the cryptocurrency trading process. Cryptocurrency brokers act as an intermediary between traders and the market. On this page, we’re going to look at some of the best crypto brokers in depth with regard to important aspects like fees, security, and features. However, retirement accounts are charged an annual fee of $35 at TradeStation, and the broker offers no retirement planning tools, and no target-date funds. Forex traders need to look elsewhere, and the broker does not offer fractional shares or crypto.

This broad selection caters to both experienced traders and newcomers to the crypto market. Gemini also offers competitive fees, 0.2% maker and 0.4% taker fees on their API fee schedule, and fees decrease as trading volume increases. The platform also provides incentives for users to learn, rewarding them with crypto for completing educational modules. The platform uses advanced security features, including two-factor authentication (2FA) and cold storage for the majority of its assets, ensuring that user funds are well-protected.

TradeAllCrypto – is a company that provides both cryptocurrency exchange services and is a broker. The company also provides brokerage services, allowing trading in indices, stocks and digital assets. The platform is suitable for both experienced traders and beginners. The exchange offers its clients the opportunity to trade in 13 types of Cryptocurrencies. The service also acts as a cryptocurrency broker, providing favorable conditions for cooperation.

Fidelity Investments and its affiliates, the fund’s sponsor, is not required to reimburse the fund for losses, and you should not expect that the sponsor will provide financial support to the fund at any time, including during periods of market stress. An investment in the fund is not a bank account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. In some instances, our researchers did much deeper online research to get the information they needed to complete the data collection. To collect the data, our researchers collected data points through online research of provider websites. For more support on how to choose a broker, you can check out our guide to choosing a stock broker.

Traders use different strategies, such as day trading, swing trading, or long-term investing, depending on their goals and risk tolerance. This allows you to speculate on price movements of major cryptos like Bitcoin and Ethereum without actually owning the underlying digital asset. This means you speculate on the price movements of major cryptocurrencies without owning the underlying asset. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs) and commissions, interest charges, or other expenses for transactions may still apply.

Best for Low-Cost, Straightforward Trading

Access to a specific asset class can be a deciding factor when choosing an online broker. This feature can be especially helpful for those with smaller accounts, as it makes expensive stocks more accessible. The breadth of assets and instruments available to trade determines how flexible your investment portfolio or trading strategies can be.

While International Brokers’ ongoing evolution into a more beginner-friendly platform is driving it closer to parity with the industry’s top all-around brokerage platforms, it remains a top choice for advanced trading techniques and risk management, as well as international trading. U.S.-based crypto enthusiasts who appreciate Tradeallcrypto Broker Review Robinhood for its easy-to-use trading platforms will enjoy selecting from the company’s list of 40 supported crypto assets, the brokerage industry’s largest. Robinhood is Investopedia’s choice as the best traditional broker for trading cryptocurrency because of its industry-leading selection of available digital assets and sleek, user-friendly platform.

Is TradeAllCrypto a Scam? Complete Review and Real Customer Feedback

IBKR is perhaps one of the most extensive brokers that we came across and is certainly more suited to experienced traders. Moreover, PrimeXBT offers a $20,000 compensation fund (under the Financial Commission) to protect users in the event that funds are lost. You can also access a good range of charting tools and technical analysis features which are an essential component of day trading. The platform provides access to crypto CFDs, crypto futures, leverage trading and copy trading.

Best for Active Traders

Whatever your objectives, here are some key factors to consider when choosing an online broker. The best online broker for you will ultimately depend on your individual goals, priorities, and preferences. Charles Schwab’s integration of TD Ameritrade’s educational programs and trading personalities has produced an unparalleled body of actionable learning materials and live training content for beginners. On Oct. 16, 2024, tastytrade even launched an options backtesting tool–a highly advanced feature that very few competitors boast. Ask any options trader, and they are likely to tell you that this form of derivative trading is complex and difficult to master.

Trading fees directly impact your profitability, especially if you engage in frequent trading. Whether you need help with account management, technical issues, or trade execution, having reliable support can save you time and prevent potential losses. Responsive and accessible customer support is essential for resolving any issues that may arise during trading. High liquidity ensures that your trades can be executed swiftly, minimizing slippage and ensuring you can take advantage of market opportunities without delay. Accessibility is an important consideration, ensuring that the broker’s platform is available in your region and supports your preferred language.

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& Co. in 1978 by its current chairman, Thomas Peterffy, the company pioneered the use of computers in trading. As trading technology continues to advance, so too does the interest in algorithmic trading. Schwab retail clients can now trade more than 1,100 securities, primarily exchange-traded funds (ETFs), 24 hours a day, five days a week, using extended + overnight session orders (EXTO).

Top 3 Crypto Trading Brokers – IC Markets vs Swissquote vs Plus500

TradeStation carries Securities Investor Protection Corporation (SIPC) insurance, which protects up to $500,000 per equity account (or up to $250,000 in cash per equity account) in the event of broker insolvency. The average execution quality of all brokers we review was 97.51% as of Oct. 15, 2025. PFOF involves a broker receiving money from trading firms to route their customer orders through those trading firms for execution. The iOS and Android versions of the app both very high marks from users. TradeStation also charges a monthly inactivity fee of $10, though this is waived for accounts with an average end-of-month equity balance of $5,000 or that execute at least 10 trades during the previous rolling 90-day period. These are fairly low commissions, relative to other brokers who still charge commissions, but many of the brokers we review have done away with commissions on stocks and ETFs entirely, putting TradeStation at a disadvantage in this regard.

Yes, FP Markets offers cryptocurrency trading through Contracts for Difference (CFDs). Yes, FXTM offers cryptocurrency trading through Contracts for Difference (CFDs). FXTM allows you to trade cryptocurrency CFDs on the popular MetaTrader 4 (MT4) and MetaTrader 5 (MT5) platforms. Plus500 is a legal crypto trading broker offering regulated, secure, and user-friendly CFD trading. Yes, Swissquote, a regulated Swiss bank, offers direct cryptocurrency trading and custody. Swissquote is a Swiss-based crypto trading broker authorized by FINMA, offering secure access to over 30 cryptocurrencies including Bitcoin and Ethereum.

Best for ETFs

You can either buy the underlying crypto assets directly or trade them as CFDs (Contracts for Difference), depending on your location and account type. This means you speculate on price movements without owning the actual crypto assets, and they are available with leverage on their platforms. Plus500 is a global crypto trading broker authorized by top regulators such as the FCA, CySEC, and ASIC. You can trade over 50 different cryptocurrencies and tokens on their platform, including Bitcoin, Ethereum, and many altcoins, as well as use their crypto staking service.

Can I use leverage on a cryptocurrency broker exchange, and what are the risks?

On some platforms, you will find that the accepted payment methods vary for different countries and may carry different fees, so this could be worth investigating before signing up. A cryptocurrency broker obviously needs to provide services in your country if you’re going to be able to use it. Other features you may wish to check for include copy trading, recurring buys, staking, savings accounts, trading bots, and a mobile app.

It is more convenient and faster to find brokers and complain In my experience, taking advantage of these resources can significantly enhance your trading skills and confidence. In my experience, choosing a well-regulated broker can provide an added layer of security and trust. In my experience, these features are crucial for protecting your funds and personal information from potential threats.

During this period of transition, RS is still receiving many new retirement claims on paper. January is normally the busiest month for OPM in terms of incoming retirement claims, so it will be interesting to see how December fares. The total outstanding inventory of retirement claims has been high and grew even higher last month, going from 34,587 at the end of October to 48,396 at the end of November, a 40% increase. The digital processing time is also markedly better than the total average processing time.

Federal Employees Sick Leave Calculations

While the backlog continues to grow, Retirement Services (RS) processed 4,363 of the digital claims received and 4,344 of the paper applications. The average time to process digital applications was 38 days in comparison to 94 days for paper applications. OPM’s Retirement Services recently conducted an analysis on the most common errors in submitted retirement applications from federal employees. The backlog of processing retirement applications at the Office of Personnel Management (OPM) has been a challenge for the agency for many years.

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Effective July 15, 2025, OPM would facilitate applications through OPM’s Online Retirement Application (ORA) and no longer accept paper submissions.\u00a0 Tom Hanks, playing Jim Lovell in Apollo 13, used this\u00a0modified version of the astronaut’s famous quote, \»Houston, we have a problem!\» I wonder if these words have been spoken at the Office of Personnel Management’s Retirement Operations Center in Boyers, Pa., where an astounding 43,737 applications arrived by mail, FedEx or electronic ORA system from federal agencies across the country and around the world during October and November. As 2025 is winding down and many federal employees are in the transition period between federal employment and retirement. During the processing time at OPM, retirees receive interim payments of a rough estimate of their benefits due, although time is required to begin them, as well. Also, the average processing time figures at OPM do not reflect that in some cases the wait for new retirees can be much longer.

• Over the course of your federal career, you’re likely to build a healthy balance in your Thrift Savings Plan.
• The federal government employs a unique system for calculating work hours and unused sick leave.
• For example, if your case involves a court order, special computation, workers’ compensation, missing documentation, or is a deferred or postponed application it may take longer to process.
• Federal employees nearing retirement are encouraged to review the data below in order to lessen the possible delay in receiving their benefits after the application is submitted.
• A May 7, 2025, memo from then-Acting Director of OPM Charles Ezell declared that effective June 2, 2025, all new retirement applications started on that date or later, along with any supporting documents, must be submitted electronically.

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While the digital processing times were still over a month, the pace has picked up considerably, having been reduced by nearly 16% in just one month. The figures indicate that the shift towards digital retirement claims is happening pretty quickly thus far. With the release of the November retirement figures, the Office of Personnel Management (OPM) has begun publishing new data which show a breakout of the digital retirement claims that are now coming in a result of the new Online Retirement Application (ORA) that launched over the summer. The Retirement Quick Guide can also provide you with information about the overall retirement application process when you retire from Federal service.

Retirement Processing Times

Separately, there always is a surge of retirements around the turn of the year for reasons including maximizing payments for unused annual leave; those applications typically are mostly reflected in data covering applications received by OPM in January and February. Before reaching OPM, applications pass through agency personnel and payroll office review, lasting from as little as about a week to a month or more. The monthly numbers reflect applications received by OPM, not those who retired in that month. The 7,800 that came through the portal was up from about 6,200 in October and the average processing time for them was 38 days, compared with 45 in October.

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This gives us confidence as we prepare for retirement activities in 2025 and into 2026.” “Despite record high retirement volumes this year, ORA is performing well. OPM officials however say they are working as fast as they can, and say digital is helping.

Find our current processing times for the retirement and survivor benefit types listed below. OPM Director Scott Kupor posted on X that those employees left on their own volition and “received severance of up to 8 months as a result of new programs that the government put in place to help ease the transition.” Digital processing times were much faster, averaging 38 days in November. In November, just 7,833 of the nearly 24,000 total claims received were submitted digitally via its Online Retirement Application (ORA).

• “I’m pretty happy that worked out, but getting there really required several months of working with my HR specialist,” said one now-retired employee with the Department of Health and Human Services (HHS).
• Currently, the backlog stands at 13,835 digital applications and 34,561 paper versions for a total inventory of 48,396 federal retirement applications awaiting processing.
• The coroner is still attempting to pinpoint a time of death, but prosecutors believe two were killed sometime early Sunday morning.
• If there is some reprieve in the incoming claims and OPM can get some of the backlog reduced, particularly if the pace of processing digital applications continues to increase, that will certainly help to manage what could be an even busier January than usual.

The Trump administration’s efforts to reduce the size of the federal workforce are really starting to show up in the OPM retirement backlog which grew by a total of 13,809 new retirement claims in November. The processing times are averages, which means your application may take more or less time depending on your individual circumstances. Of the 23,393 claims received in November, roughly ⅓ or 7,833 were digital, and 15,560 were paper.

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He has over 20 years of combined experience in media beaxy review and government services, having worked at two government contracting firms and an online news and web development company prior to his current role at FedSmith. It topped 60,000 that year, so while it is not at an all time high, it is still a standout to be sure. It processed 1,686 and 4,363 of those and did so in 45 and 38 days, respectively.

OPM shifts retirement applications fully online In comparison, in the same two months of 2024, OPM received only 13,680 applications for processing. Retirement Services (RS) is working towards a fully digital retirement application process; RS is working with agencies and payroll offices to update legacy processes. The sharp increase in incoming retirement claims over the last few months has pushed the total OPM retirement backlog to a level not seen since 2012.

Are you in favor of an additional Christmas holiday for federal employees this year? The latest unaltered retirement processing statistics from OPM are included below. The total claims backlog saw a 46.9% increase over the end of September. The number of digital claims processed more than doubled from October to November. Most of the figures in the table below are from OPM’s latest retirement processing statistics from November 2025. Legacy systems, with outdated technology and cumbersome procedures, have delayed retirements and frustrated employees who have dedicated their careers to public service.

OPM’s statistics indicate that about 26% of all retirement applications come in the first six weeks of the year. OPM experiences its largest surges in retirement applications in January and February each year. The monthly average processing time for August decreased to 64 days, down from 74 days a year ago. For those and all future applications, any newly created paper retirement packages would not be accepted and would be sent back to the agency for digital resubmission. A May 7, 2025, memo from then-Acting Director of OPM Charles Ezell declared that effective June 2, 2025, all new retirement applications started on that date or later, along with any supporting documents, must be submitted electronically.

“I’m pretty happy that worked out, but getting there really required several months of working with my HR specialist,” said one now-retired employee with the Department of Health and Human Services (HHS). So happy holidays everyone. In some cases, retirements that otherwise would have been part of that surge may already have occurred due to retirements at the end of deferred resignation periods.

Digital retirement claims are quickly becoming part of the process. Processing days reflect the cases processed in the month of November 2025. From in-depth analyses to practical tips, DailyFed empowers you to make well-informed decisions about your career, benefits, and retirement planning, keeping you connected and confident every step of the way. DailyFed is your premier daily resource dedicated to federal employees, delivering a wealth of news, insights, and updates tailored to your unique needs.

The federal workforce deserves a retirement process that matches the demands of the 21st century. OPM Director Scott Kupor said in a recent interview that he expects about 300,000 federal employees to depart by the end of 2025, cutting the overall size of the federal workforce from about 2.4 million down to 2.1 million. The OPM retirement backlog has surged to levels not seen in over a decade. Rob, 78, and his longtime wife, Michele, 70, were found dead inside their Brentwood mansion by their daughter Sunday afternoon, according to authorities and law-enforcement sources. The coroner is still attempting to pinpoint a time of death, but prosecutors believe two were killed sometime early Sunday morning.

If there is some reprieve in the incoming claims and OPM can get some of the backlog reduced, particularly if the pace of processing digital applications continues to increase, that will certainly help to manage what could be an even busier January than usual. When the ORA system was launched, OPM said that it would only accept digital retirement applications in the future, so as of July 15, 2025, OPM has only been accepting digital applications. The introduction of the Online Retirement Application (ORA) was intended to streamline the antiquated method of manual processing of federal retirement claims. As the fallout from the Deferred Resignation Program and the uncertainty surrounding the federal workforce continue to play out, OPM received 23,393 federal retirement claims in November. During the same two months of 2024, OPM received 13,680 applications for processing.

Currently, the backlog stands at 13,835 digital applications and 34,561 paper versions for a total inventory of 48,396 federal retirement applications awaiting processing. The inventory of retirement applications pending at OPM grew in November to about 49,400 from the 34,600 in October, although the average processing time there decreased from 79 to 73 days, as use of the online portal OPM launched in the summer is starting to show some impact. Mistakes or missing information in federal retirement applications can significantly delay processing, postponing your access to full benefits. At the end of November 2025, OPM had an inventory of 48,396 retirement applications (both paper and digital) awaiting final processing.

Federal employees nearing retirement are encouraged to review the data below in order to lessen the possible delay in receiving their benefits after the application is submitted. Average Processing Time in Days represents the number of days starting when OPM receives the retirement application through final adjudication. OPM processed more than 7,700  retirement claims last month, reducing the inventory to about 15,178. The Office of Personnel Management’s retirement application backlog decreased in August by approximately 4%. There are thousands of employees who have entered retirement since the Fork in the Road began the process of massive federal downsizing but have not yet begun to receive their full retirement benefits.\u00a0\u00a0\u00a0\u00a0\u00a0