Your client has participated in his company's defined beneft plan for six years. He is considering taking early recirement at age $60$ You should advise him that

A$)$ he will be mising the opportunity for potential invilmert growh

his monthly defined benelis pension arnount may be reduced tecause he han feaer than $10$ jpans of service

D$)$ by retring early he would be givgs up potennas employer miding coneroutions.