What about survivorship discount on earned benefit?

So if i understand each year of service you will accrue an additional 1/25th of the presently capped benefit of 130k/yr?

Retirement benefit contemplations are part math and part crystal ball. Unfortunately we usually have to wait till the end of the day to check our results.

30yrs ago fedx was my 1st choice, but it wasnt because of the retirement. Given the road i did travel, being a new pilot today i would value having my retirement in my hand and in my name over any blind trust owned by my employer.

A year2 fo at delta gets 16% from the company. The last 2 years he has also gotten another 30%+ in profit sharing. Which also gets the 16% kick in from company.

And in the event of a ltd event his 50% fae has no dollar maximum cap, and the company kick in goes from 16% to 32%.

Its all in his name. And will pass through to heirs at 100% dollar value.

Its a guess at best we make, and its never as simple as it seems.