In the near future, I’ll have the option to choose between two retirement plans for a job I’ve been at for about two years. Both options include a standard 401k with a generous company match. Including that match, I’ll have between 10-12% of my annual salary going into the 401k with either option. My dilemma is whether to keep the defined benefit pension plan or move to the new plan, which will provide an additional annual payment into the 401k. Essentially, the options are as follows:
**Option 1:**
Defined benefit pension plan, paying out 1.1% of my highest salary, multiplied by the number of years spent at the company. This option also includes the 10-12% contributed toward the 401k.
**Option 2:**
In addition to the 10-12% contributed to the 401k, this option removes the pension plan, but adds an additional annual contribution to the 401k of approximately 5.5% of each year’s salary.
Based on this information, which option seems more appealing, or what additional information would be needed to make that decision?
Some additional background info: I’m married, one child, with a decent amount in retirement savings, and will expect to work for another 20-25 years. At this point, I don’t expect to leave this company any time soon, but obviously, anything can happen.
You may find these links helpful:
– [401(k) Fund Selection Guide](/r/personalfinance/wiki/401k_funds)
– [401(k) FAQs](/r/personalfinance/wiki/401k)
– [“How to handle $”](/r/personalfinance/wiki/commontopics)
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*
I’d probably lean towards option 2 for a few reasons:
* 1.1% is a pretty low pension multiplier. In the good ol days I think 3% was typical.
* Assuming this is not government, there’s just a really good chance they suspend the pension at some point in the next 2 decades.
* What’s the likelihood you actually stay for 20+ years? I’m biased being in tech probably but it’s just hard to imagine staying at 1 place for that long.
* You still pay into social security? You’ll still have another source of income.
Now if the pension provides healthcare as well and/or you’re really confident you’ll stay, maybe you tilt the other way. I’d also consider what happens if you choose option 1 and then leave. Do you get to keep just your contributions? Some portion of theirs? Etc.
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