Originally Posted by
Go Cards go
In addition to being tax deferred, the contributions are exempt from ALPA dues so there’s an instant 1.8ish% boost.
To go along with your 3% return on a bond fund? That’s what it historically returns. I’d rather have the 18% cash and invest some of it elsewhere, and use some of it towards fun today. If you put it in this plan, you’re there forever, watching it flatline. If you turn it down, you will have a bunch of cash and options to invest or spend. Investing isn’t always a tax advantaged account. Sometimes you need to invest in enhancing your life today, while you can enjoy it. Buy your ski condo today, use it with your kids and grand kids, sell it when you can’t ski anymore. I bet you’ll make better than 3% return. At least way I see it.