Originally Posted by
gr8vu
Is this all one account that DAL and personal pretax dollars go into and imagine you can choose options on how it is invested?
Scambo's explanation was much better than mine.
The company DC money and your contributions both end up in a Fidelity account which has a ton of options for how you want to invest. You also have the option of making Roth contributions which are post tax. Some guys will go that route so they will have both pre/post tax $ available in retirement. Everyone's situation is different and a lot depends on your personal view of where tax rates will be in the future vs your likely tax bracket, etc.