sevenfoursharer, it sounds like you work for an honest and reputable company. All pilots or airline employees for that matter that I have talked with would love to have the set up you describe. Get your money out of the hands of the MBA trash that will certainly squander it on their own ego's. As I said earlier a pension is nothing more than delayed compensation for work already performed. That compensation should be in honest hands in conservative investments that the current crop of airline "boys" (some like to call them ceo's) cannot touch.