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Originally Posted by FlyPurdue
(Post 3856198)
I am surprised, because they get a 37% haircut on every dollar of that cash.
you don’t like how conservative the CBP is…make your PRAP more aggressive to make up the difference. Even then cash over cap is the best situation long term (13000@6% < [email protected]% over 20+ years). Pilot groups should be pushing for abolishing MBCBPs and RHAs. Short of that, MBCBPs > RHAs for the inheritability aspect. |
Originally Posted by AF OneWire
(Post 3856110)
These must be all the guys I fly with who have boats, RVs, and planes.
In Unity... |
Originally Posted by EAFF95
(Post 3856216)
Make your PRAP more agressive... bud they give us 15 options to choose from and the most aggressive is the "total stock market".
The reduced cap on PRAP company contributions is crap for people in the younger years of their career. Currently, I can contribue $10850 of my own money and have 70k of my retirement in the stronger PRAP. If i contribute $10850 now I get $57k into my PRAP and $13k into essentially a bond fund. So make the difference up I need to contribue the $22k or whatever the IRS limit is. So more money out of my pocket to acheive the same thing for a minimal return on investment. At my age I'd rather have the extra $10k in liquidity than put it into a bond fund. At least the spill into the HRA/AHA is useful to use and it's also tax leveraged. As far as aggressive options, you do know you can sweep everything into your Schwab PCRA brokerage account and get pretty damn aggressive. You can even trade leveraged stuff. Hell Vanguard doesn't let you do that. |
Originally Posted by UALinIAH
(Post 3856245)
As far as aggressive options, you do know you can sweep everything into your Schwab PCRA brokerage account and get pretty damn aggressive. You can even trade leveraged stuff. Hell Vanguard doesn't let you do that.
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Originally Posted by WXS15
(Post 3856248)
Yeah, but they won't let me sell naked calls
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Originally Posted by UALinIAH
(Post 3856245)
HRA is tax free. Pre tax money, growth untaxed, and not taxed on withdrawals. I know some of you already have more than the recommended $315,000 needed for medical in retirement but my hunch is most don't.
As far as aggressive options, you do know you can sweep everything into your Schwab PCRA brokerage account and get pretty damn aggressive. You can even trade leveraged stuff. Hell Vanguard doesn't let you do that. I’m not in that income bracket yet but isn’t the max HRA spill 10,000$ a year? That would be a lot of years to get to $300,000 |
Originally Posted by KnightNight
(Post 3856526)
I’m not in that income bracket yet but isn’t the max HRA spill 10,000$ a year? That would be a lot of years to get to $300,000
Again this is all current and goes away if the LOA passes. |
Dont see any positives within this loa except for if you are almost done here. Hurts the youngsters starting out with decades to go. Maybe why the oldest reps voted for it and young ones against.
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Originally Posted by KnightNight
(Post 3856526)
I’m not in that income bracket yet but isn’t the max HRA spill 10,000$ a year? That would be a lot of years to get to $300,000
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Originally Posted by UALinIAH
(Post 3856245)
As far as aggressive options, you do know you can sweep everything into your Schwab PCRA brokerage account and get pretty damn aggressive. You can even trade leveraged stuff. Hell Vanguard doesn't let you do that.
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