Originally Posted by
iaflyer
I just checked with my doctor friend who has this type of plan as an extra tool to allocate retirement. Their plan guarantees.. 5% - oh, and remember, if it doesn't generate 5%, he would have to contribute additional dollars to get the return to 5%. Hasn't happened yet, but it could. I believe our plan would have the same issue.
Sounds like a bit it a Ponzi scheme. I just hope it's optional. I know they say that it will be, but the IRS says otherwise so far and I don't see them making an exception (even for us special Delta pilots).