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Old 10-07-2014, 05:36 AM
  #4  
Doogs
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Joined APC: Jan 2010
Posts: 176
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Moving from an A plan to a B plan isn't necessarily concessionary. It depends on the details.

An A plan has a cash value, including the risk, and a B fund has a cash value, including the risk. These can be calculated and compared.

As FBH points out, your individual situation may be very different in terms of time accrued towards the current A fund plan vs. time available to build value in some hypothetical improved B fund. Your taste for being personally responsible for the investment risk of a B fund vs. the company being responsible may be different than the next person's.

Don't write it off in some knee-jerk reaction. Let's see the details with some objective and clear analysis.
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