GE Aerospace Retirement & Benefit Planning

You’ve worked hard. Now it’s time to turn your GE benefits into a confident retirement strategy.

From lump sum pensions and in-service rollovers to Mega Backdoor Roth contributions, our team helps GE Aerospace employees align every benefit with their bigger financial picture.

This page serves as a central resource — for GE employees and our advisory team — to understand, evaluate, and plan around the full spectrum of GE Aerospace retirement and benefit options.

GE Retirement Savings Plan (RSP)

This section outlines the structure and strategic considerations of the GE Retirement Savings Plan (RSP), including matching contributions, Roth opportunities, and rollover options.

  • Eligibility: All employees; no waiting period

  • Contribution Range: 1%–30% of pay

  • Employer Match: 50% of up to 8% of employee contributions

  • Company Retirement Contribution: 3%, deposited in January

  • Max Employer Contribution: 7%

  • Vesting: 3 years of RSP service

  • Platform: Fidelity

  • Brokerage Link: Available

  • In-Service Rollover: Available

  • Mega Backdoor Roth: Available

Planning Insights

✅ Contribute at least 8% to receive full employer match
✅ Max out after-tax if pre-tax/Roth are maxed
✅ In-service rollovers expand investment flexibility
✅ Use Brokerage-Link for diversification

Personal Pension Account (PPA) & Voluntary Pension Account (VPA)

This section explains how the frozen PPA/VPA pension plans function, including your payout choices and coordination with other income sources.

  • Status: Frozen as of Dec 31, 2020

  • Payout Options: Lump Sum or Monthly Income

  • Supplements:

    • Regular: $31 × years of service

    • Special: $375/month

  • Supplement Duration: Paid until eligible for 80% SS FRA

  • Spousal Options: Available

  • Election Timing: Based on age & rates

  • Distribution: Taxable unless rolled over to retirement plan

Planning Insights

✅ Compare lump sum vs. monthly income
✅ Align pension with Social Security and withdrawals
✅ Account for monthly supplements in cash flow