over a 30 year time frame, assuming the same rate of sneezing of your part and future 30 years, you make almost 20% more by taking the past value and investing it for thirty years than investing only what you get going forward
so maybe it’s worth it for people under 30 to take the future option, but not after that age. unless you game the system and cause some hell for yourself by sneezing a shitload.
over a 30 year time frame, assuming the same rate of sneezing of your part and future 30 years, you make almost 20% more by taking the past value and investing it for thirty years than investing only what you get going forward
so maybe it’s worth it for people under 30 to take the future option, but not after that age. unless you game the system and cause some hell for yourself by sneezing a shitload.