Speak for yourself Chuck.  At my age I am not going to see another 20yrs let alone 25.  Also I think I am smart enough to handle my own money.  Anyway a lot better than the Alaska State Government has shown in it's abilities to handle money.  If you trust them, do it with your money.  Personally I would like to get all my future PFD's as they promise now as I don't believe there will be any in just a few years if they are taking from the PFD like they are now! Only common sense dictates my take on it having lived here over 40yrs and watched them at work.  Pay me out now and I would be happy to the grave!