Originally Posted by m3113n1a1

You're not understanding that most pilots hired in the last 15 years have no interest in "guaranteed returns," pensions, deferring taxes, or some third party entity managing our money. We have never seen this type of thing work out well.

Most of us expect (hope) to be in roughly the same tax bracket in retirement as we are now. We also are fairly certain tax rates will actually be higher by the time we retire. That's why we want to pay taxes now.