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“Claim and Invest”–Yet Another Viewpoint on the Early vs. Deferred Strategy

The question of whether to claim Social Security benefits at the earliest opportunity (age 62) or at one’s full retirement age (FRA), or take advantage of Delayed Retirement Credits and wait till age 70, gets a lot of attention in the media. And of course the resolution is usually that this decision is personal, and needs to be based on a number of factors, like health, life expectancy, other financial resources, spousal considerations, etc. Marketwatch columnist Mark Hulbert offers another variant in this decision by suggesting a look at a “claim and invest” approach in which one files at FRA and at age 70 makes up the difference between accumulated earnings and the lower benefit. Read his article here…


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