Originally Posted by DLax85

For many, many reasons having both the A plan & the B plan is the most prudent --- especially in a time of very low interest rates/fixed income returns

I am not advocating elimination of the A fund, even for new hires

I am advocating a much larger B fund bump then what's included in the current TA

Over time, we could move to a much more hybrid system then we have today --- where the expected distributions from the A fund & the B fund were more equal

However, that does not mean the A fund show go away completely

As the A fund $260K cap starts to represent the limit of a lower pay scale level (perhaps, Max WB FO pay in about 10 years), I don't think the company can continue to argue it's impossible to afford

This argument will also lose ground if/when interest rates & fixed income returns normalize

However, we should act now to develop a proper path for B fund increases, which I believe is a 5-6% increase over the next 6 years

Add 1% each year for the length of the TA

The current 7% would grow to 8%, 9%, 10%, 11%, 12% and finally 13%

Then let's negotiate again in 2021 with more current market information

Also Remember, UPS pilots already get 12%