Dear TerinDebbie - As a retired federal employee receiving a civil service pension, I do not believe the NALC could legally stash away part of your earnings, whether or not you have already paid taxes on that money, and not give you the equivalent of interest or dividends or capital gains on that money when you draw it out. You have to contact the NALC and find out exactly what type of a plan you subscribed to. They must also have some literature they can send to you to explain your options. Try to make an educated decision from valid information. From your post, you sound as though you know very little about the type of fund you are invested in. Good luck.
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