BP Employees,

Interest rates for February (impacting June 2021 Benefit Commencement Dates) continued to move sharply higher after already experiencing significant increases over the past several months. Figures released this month show the largest percentage increase we have seen in several years. Next month, we anticipate an even larger move higher when March’s rates are finalized and released.

Will the current trend of higher rates continue? We believe so. As the US economy continues to regain its footing from the toll COVID has had, we anticipate treasury and segment rates should move higher in a similar fashion. Measures taken by the Federal Reserve to lower interest rates are expected to begin tapering off later this year or early next year, causing upward pressure on bond rates. Additionally, we see further upward pressure on rates as the recently passed federal stimulus legislation begins hitting the economy.

For BP Employees looking to separate from the company this year, we reiterate the importance of you understanding how interest rates affect your pension’s value. Failing to properly understand how and when to file for your pension can cost you a significant amount of lost money simply by selecting the wrong month.  Heritage Employees will see a more substantial swing in the value of your pension as interest rates rise vs Non-Heritage Employees.

At Capstone Wealth Advisors, one of our unique specialties is understanding the inner workings of your BP Retirement Plans and how to make the optimal decision when it comes to filing for your benefits. To schedule a complimentary consultation with one of our experienced advisors simply email us at info@capstonewealthadvisors.com or call us at (877)739-6007.


Tyler E Ryan


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