- While SIB accruals start out lower, your SIB is expected to grow during your career and likely outpace what you would have earned under the traditional income benefit. SIBs continue to grow through investment gains during your career and during your retirement years, an advantage unavailable with traditional income benefits.
- Your 2017 SIB accrual increased by 1.13% on 1/1/2018. Because of a 15.3% investment return in 2017, your 2017 and 2018 SIB accruals will increase by 6.0% on 1/1/2019. Additional 2017 investment earnings will be added to the stabilization reserve which is available to shore up SIBs in years when the plan earns less than 4%.