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An Analysis of the “File Early and Invest the Cash” Strategy

One of the frequent questions we receive here at the AMAC Foundation Social Security Advisory Service relates to the “when to file” issue, and we typically respond with the benefits of deferring as long as possible (up to age 70) to take advantage of delayed retirement credits, but we also counsel callers with the importance of understanding the “break-even” calculations and how other factors (health family longevity, immediate cash needs, etc.) need to be considered.

Invariably, a caller will pose the question of whether filing at age 62 and investing the monthly benefit would produce enough financial return to offset the lower monthly benefit over the long run. That’s the subject of an article by The Motley Fool’s Keith Speights appearing today on their website. Mr. Speights covers the conventional wisdom espoused by financial advisors before diving into the “file early and invest the cash” strategy, and focuses also on the risks and caveats related to this strategy. Read his post here and, after massaging the information, if you have any questions about the “break-even” aspects of the decision, know that the AMAC Foundation’s Social Security Advisory Staff is available to help you, including an analysis of your individual situation. Learn more about this free service here.

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