Based on our understanding you need approximately 3500 points to obtain a 20 year letter. See attached documentation.
Finding Your Points
In order to receive a 20 year letter (which implies you want to know when you have a vested retirement with the Guard or Reserve), an Army Reserve or National Guard soldier needs 20 good years of service. The can be a combination of Active Duty, Guard and Reserve time.
A “good year” is considered to be a minimum of 50 points during a given year. Or, a “good year” is one year on active duty.
A drilling Reserve or National Guard Soldier can earn 78 points a year if he or she attends all drills and Annual Training. If the Soldier was on active duty for several years before transferring to the Guard for Reserve, each day on Active Duty counts as one point. You can ask your Unit Administrator about your points and go on-line to check your points.
I have attached a couple of documents that may help in with your understanding of “good years” and “retirement points”.
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Special Thanks to CSM(R) John Perry for helping us answer this question