Yes, employees can make their individual RA ‘paid-up’, even if they participate in a Group RA, and even if they have not left their employer. Making their RA paid-up means they (or the employer) no longer pays monthly contributions; however they will stay invested until they retire (earliest age 55).
At 10X we do not pay upfront broker commissions. Members therefore do not incur any ‘penalties’ if they make their 10X RA paid-up. Be aware though that if they make their current non-10X RA paid up, their current service provider may claw back any unrecovered broker commissions (plus accrued interest) from their investment balance. This should not, however, be a factor in their decision to transfer or make their current RA paid up or not, as their service provider will deduct the outstanding broker commissions anyway (either now or in the future).
