Originally Posted by
Rinaldi
with just over five years to go….I will be opting out. I don’t see where the tax benefit outweighs the flexibility to do what I choose with that money.
The benefit for those close to retirement that I see is the amount put in must equal the amount available at retirement. In your situation it is a place to put money that is guaranteed not to lose face value. not saying you should use it, just that that is the benefit I see.
totally understand you not wanting to use it though. It’s a guaranteed low return.