Reservist with 8 years of service (roughly 2 active duty equivalent) and now commissioned. I have a flight contract so I’m guaranteed to do 20 (not all AD years though).
Trying to figure out if I should continue with the high 3 or opt into BRS. I’m not entirely sure how my reservist years impact either retirement system.
I didn’t know any better when the decision to opt in came around, now that I’m a little older that 4% match sounds very enticing even though I’ll do the full 20. High 3 seems to only make sense with the numbers if I allocate 100% of my pension to TSP.
Any suggestions?
Have the option to continue with High 3 or opt into BRS
byu/Phrontier inMilitaryFinance
Posted by Phrontier
1 Comment
It’s risk reward. If you’re certain you’ll do 20 then legacy is better. If you have any doubt, BRS lets you hedge your bets.