FWIW, 35 years old, being the cut off age for active duty Army enlistment, would give the inductee 20 years to accumulate a pension in. This would take place prior to reaching the maximum age of 55 years old.
I do know that the Army Reserves has a maximum age of 64. That is what I thought the recruiter told me yesterday...
If one subtracts 20 from 64, 44 is the answer. Is 44 the maximum age that one can enter the Reserves in ? I don't know. I know that you can be 35 and still enlist, if that helps any ?