I disagree. It wouldn't require anything near a 15% return on you B fund to come out ahead. l would completely agree with you if the A plan had any type of inflation adjustment, but it is now obvious it never will. An 18% B fund with cash above the cap (or no cap at all) would exceed the A plan. The money would be yours to do with what you want, and leave the leftovers to whoever you want. The younger pilots need to wake up and see how we are being taken on this issue.