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My wife and I are trying to decide whether to buy 3-6 years of service credit in her state retirement plan or put that same money to work in the market. We have a sizable and growing (thanks to MF) investment portfolio which we will continue to contribute to for the next 10-15 years.

My current thinking is to buy service credit - it is a guaranteed benefit and balances our retirement income streams by increasing the pension payment.

What do others think.
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