Originally Posted by
Albief15
....Another question...and maybe I should review materials more....what IF we have a great couple years in market. How much more of the upside could we expect to capture if we had a run of good luck?
They are already capturing ALL of the upside, without including the Earnings Cap they touted to build the Stabilization Fund.
The fund won’t magically make more (or less) because we agree to take the risk.
Ask for version 2.0 with their notional 10% Earnings Cap included
Making more by working harder and working longer. Yes, that’s how uncapped YOS, defined contribution plans should work. But with those, it would be the pilots money to control.
Stay diversified, stay transparent - make modest improvements to our A fund thru indexing, an increase to YOS credits, and modest increases to the B fund.