Social Security: A “break-even analysis” vs. assessing “longevity risk”

Deciding when to claim Social Security benefits is an exercise that everyone approaching age 62 will have to do, and very often a breakeven analysis – the age at which you will be “money-ahead” vs.claiming at a different age – is, or should be, a part of the decision making process. But your monthly Social Security benefit isn’t the only factor to consider. With people now frequently living to an advanced age, another factor called your “longevity risk” should also be considered. Longevity risk is a term coined for the risk of outliving your retirement nest egg – the assets you will rely upon to live comfortably in the latter half of your golden years. In this informative article by Mark Miller appearing at, the author shares the advice of a nationally recognized Social Security expert on this topic. Click here to read more.

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