If you're a prior service reservist and reenlist to AD, how much time to you lose, if you lose any?

I believe the time in the Reserve may count toward where you fall on the pay scale (years served) but it will not count toward retirement at 20 years.

That said should you serve say 10 years n active then return to Reserve you would then have 16 good years toward retirement under the reserve retirement option.

Capt (Join to see) - with 3,650 additional retirement points (1 point per day) to add to the kitty. At $.25-30/point that can add up, depending upon final paygrade.

Yes. I had 14 years + active time, 8 1/2 Reserve. Wound up at approx 41%.

BUT, remember you must have at least 8 years Reserve to retire under that program. 19 active and 1 to 7 reserves will not do it.

I believe that you get credit for all your reserve time at the rate of one day per point, or a day for each unit training assembly (or whatever they call them today). So if you have 5 years Reserve or Guard and didn't do any additional duties, you should have at least 390 points (15 membership points, 48 uta's drill weekends and 15 days annual training). That should give you a bit over a years credit towards retirement. You are correct that time in service for pay does not change whether active or reserve.