<prompt> Human: So the DOD is about to offer a new retirement system with the TSP401k in Jan 2018 that will drop my 20 yr retirement pension to 40 versus my current 50 of about 5000 in yr 2028 - in exchange they will be offering a 5 match to my current base pay of 3,408. I need to find out if it will benefit me to switch so here are my facts:Im married and my wife and I both max out our IRAs for 11,000yr. We max out our TSP401k at 18,000yr. I also put about 15,000yr into after tax individual stocks that I want to invest in. I only have 11 more years left to take advantage of a 5 match - decreasing the value of swapping plans. Our goal is to be financially free living in our dream home in our dream location in our early 50s and maybe our late 40s possibly working part time while we wait to cash out at 59.5 yrs old. If there is any more information you need to figure out if it would be smarter to switch let me know. Currently, I believe the 250050 a month for the rest of my life outweighs 200040 a month. The 5 match on 3,800 doesnt seem like it would be able to compound enough in only 11 years to make it a higher value. Whats your alls take on this?  <response>: Stick to the old plan. The new plan benefits those with less than 5 years of service. 11 more years is a long time and with you maxing out the TSP and An IRA then you should be set between retirement pay, possible disability, etc. 