Posted on Feb 15, 2016
SFC Msa
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If you are a drilling Reservist with 20 years of service and 65 points a year you will get 1,320 total points which depending on your rank equates to about $400.00/mos. Someone tell me how to get 7,000 pts so I can have an actual retirement check.
Posted in these groups: Retirement_logo RetirementReserves_logo Reserves38326e5d Military Pay
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LTC Board Member
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Edited 4 y ago
The max number of "soft" reserve points you can get per year on traditional reserve status is 130. If you max out all 20 years at 130 points/year and retire after 20 years as an E-7, you would get $813/month after the age of 59 1/2 (before adjusting for inflation).

As correctly pointed out by BG (Join to see) below, this does not include AT, ADT, ADT-S (schools), ADOS, Mobilization, etc. One can be a "tour baby" and get up to 365 points per year if they jump from schools to deployments to other active orders, etc.

If you do the traditional 65 points per year then you retire as an E-7 with $405/month after the age of 59 1/2 (before adjusting for inflation).

Serving as a part time Reservist is not intended to pay for one's full retirement. It's part time service and a part time retirement. If you want your military service to constitute the bulk of your retirement funding, you could look into AGR (which I'm guessing you already have).
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SSG Ncoic
SSG (Join to see)
4 y
Agreed, its one of those things about being in the Guard, which I am. I don't count my drill pay as part of my income, its a small bonus that shows up in my checking account once in a while. And the same goes for my plan on retirement, i do not count on it as my main nest egg by any stretch of my imagination, at best its a car payment. I have always been aware of it, since it is a part-time job with an equivalent part time retirement. But if you do want more points for a better retirement, then I would look at anything that would add more 'Active Duty' time to your punch card.
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MSG Mechanic Trainee
MSG (Join to see)
4 y
i have 31+ years with 6 active i dont like it but thats the path i took
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SP5 Paul Riley
SP5 Paul Riley
4 y
The only way to make any money in the Guard or the reserves is to get more points. The E-7 that runs the unit has a certain amount of money that has to be spent. If you ask the E-7 in charge if he needs anyone to come in and work. When I was in the Guard I went to all my drills and required AT's and worked extra days on week days. I also worked at least 3days a week with the Units. They have to spend this money and they always need extra help on week days. I was an E-5 and the money was good and it added points to my retirement also you can always log into GKO Guard Knoledge on Line which has options for active duty asignments. I did several and they were 2 weeks of which were like exra AT's. I retred with a disability 19 years well I was activated but if I hadn't I still had plenty of points to retire. Email me if you need more information.
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SSG Operating Room Specialist
SSG (Join to see)
4 y
Correspondence Course can bring points. I believe 3 correspondence points will equal 1 retirement point
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CAPT Kevin B.
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Edited 4 y ago
First you can't get 7000 by law for the most part. You'd have to do 19 years AD which there is a cap at 16 last I recall. I retired with around 5500 which was made of up around 11 years active and the rest drills, AT, ADT, ADSW, recall, and courses. So that worked out to be about 1/3rd of my retirement goal which was to quit and not notice a difference. I did Civil Service and bought back retirement time so when I punched out of that, I had a 42 year annuity under FERS. That's another 1/3rd. Then I had TSP at 10% from day one in Civil Service. That is another 1/3rd. Overshot the mark mostly because I didn't want to give back sick leave credit so hung around another year. Bottom line, I had to retire to get a pay raise.

I encourage everyone to develop multiple retirement streams because one thing isn't designed to replace everything. Also, we live longer and don't want to sit at home and knit. Bottom line, Reserves and NG is a part time gig so you can't expect a full ride out of it.
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CAPT Kevin B.
CAPT Kevin B.
4 y
CAPT Hiram Patterson - Good job. Now set up a plan on how you burn TSP/401 between 60 and 70 while deferring Social Security.... until they change the rules.
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SSG(P) Behavioral Health Nco
SSG(P) (Join to see)
4 y
SFC (Join to see) - Like the CAPT(USN) stated, I apologize, I have 10 years prior service USN, but as I tallied my points I actually did pretty good , I actually cut back on doing correspondence courses and turned down a couple of activations because I wanted my junior enlisted folks to have a chance, and I am glad I did because karma was good, I'm with a GREAT unit that sends me to schools that help me at my rank/paygrade(EOL, MRT) and now my subordinates get to enhance their careers with experience past just BA's and ECT's . So I say again battle , I feel you are motivated and I hope the advice I shared will help
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COL Health Services Plans, Ops, Intelligence, Security,Training
COL (Join to see)
>1 y
I collected over 7700 points over a 38 year career. However, I spent 17.5 years on active duty or deployed. I also took many correspondence courses. However, since many of these were completed while I was deployed, I received no credit for them because you cannot receive more than 365 points per year. Just to be clear, 7300 points is a standard Active Component 20 year career (365 x 20). So, most RC members don't come close to that during their career without spending an excessive number of years on active duty and an excessive number of years in uniform, Most run into hurdles (job, weight, health, marriage, available billets, etc.). But, then again, only politicians get rich during their service.
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CSM Rick Cassel
CSM Rick Cassel
2 y
When I retired this past June from the Guard I had 10,000 points after 40 1/2 years of service, which is almost equal to 28 years of active service. However I started with 16 years of USMC active duty, I also did four deployments , and various long term ADOS orders. All inclusive, I had 22 years plus of active service upon retirement. For additional points I did additional flight training periods, (aviation only) schools, plus additional annual trainings when I could get them. Being a full time military technician, also earned me a FERS pension. Luckily my civilian employer was the Guard so it was not an issue when it came to getting time off for military duty.

It does come at a cost however, you miss a lot of family time and events. I missed a great deal of special moments while serving, a few weddings and the birth of grandchildren come to mind. However I am blessed with a wonderful wife who took the sacrifice in stride and ran the home front in my absence.
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CSM Battalion Command Sergeant Major
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Mobilize
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SFC Msa
SFC (Join to see)
4 y
On 181 AD orders now. at 45 with a wife and 4 kids 8yrs-16yrs I am not interested in being away from them for any extended periods of time so after this I may not be considering anymore ADOS or Title 10 type of missions. But I get where you are coming from CSM.
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CSM Battalion Command Sergeant Major
CSM (Join to see)
4 y
I'm at over 4500 points, wth 30.5 years in...4 Active Duty, and 4 Mobilizations. I understand about being away, just did 15 months at Fort Dix, NJ after being married for less than 6 months. Its tough but depends on what you want in the end.
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MSgt Michael Bischoff
MSgt Michael Bischoff
4 y
My wife has 6300 retirement points for 29 total years (6 years active duty and the rest in the reserves with just 2 six month deployments and lots of man days).
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SMSgt Sheila Berg
SMSgt Sheila Berg
4 y
Get active duty orders or volunteer for TDY assignments
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