This Seemingly Flawless Social Security Strategy Could Backfire on You

Motley Fool2021-07-22

Many seniors rely on Social Security to provide a fair chunk of their retirement income. And there's a good chance you'll eventually do the same. As such, it's important to get as much money out of ...

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精彩评论

Useful
2021-07-22
Useful
Ok
- D len Yip:
  yeah
Smart74
2021-07-22
Smart74
Useful information
- Lewis1983:
  Yeah
DreamerAnt
2021-07-22
DreamerAnt
flawess yet back fire sound odd
- DreamerAnt:
  better not on me
Andersonkana
2021-07-22
Andersonkana
Goid news
windz123
2021-07-22
windz123
ok
- DreamerAnt:
  ok

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And there's a good chance you'll eventually do the same. As such, it's important to get as much money out of ...</p>\n\n<a href=\"https://www.fool.com/retirement/2021/07/22/this-seemingly-flawless-social-security-strategy-c/\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":null,"symbol_name":null,"start_time":0,"source_url":"https://www.fool.com/retirement/2021/07/22/this-seemingly-flawless-social-security-strategy-c/","article_id":"2153711620","we_media_id":null,"thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2153711620","pubTimestamp":1626958500,"columns":[],"sourceInfo":{"source_id":"fool_stock","name":"Motley Fool"},"weMediaInfo":null,"summary":"One popular way to score more money may not actually work the way you expect it to.","collect":0,"end_time":0,"defaultTopTitle":"fool.com","property":[],"viewcount":null,"language":"en","relate_stocks":{},"translate_title":"这种看似完美无瑕的社会保障策略可能会适得其反","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{},"content_text":"Many seniors rely on Social Security to provide a fair chunk of their retirement income. And there's a good chance you'll eventually do the same. As such, it's important to get as much money out of the program as you can.\nNow you'll often hear that a guaranteed way to snag a higher monthly benefit is to file for Social Security after full retirement age, or FRA. FRA is when you can collect the monthly benefit you're entitled to based on your earnings history. If you were born in 1960 or later, FRA kicks in at 67.\nOf course, many seniors rush to claim their benefits ahead of FRA -- you can do so starting at age 62 -- and shrink those monthly payments in the process. But for each month you delay your filing beyond FRA, your benefit will increase by about 2/3 of 1%. Or, to put it another way, for each year you delay your filing, your benefits will grow by 8%.\n\nImage source: Getty Images.\nThe delayed retirement credits you'll accrue by postponing your filing will stop accumulating once you turn 70. As such, 70 is generally considered the latest age to sign up for Social Security, even though you could technically opt to delay your filing beyond that point. And if you're looking at a FRA of 67, filing at 70 means boosting your benefits by a rather impressive 24%.\nBut while you'll often hear that delaying your filing until age 70 is a surefire way to grow your benefits, that strategy could also come back to bite you. Here's why.\nLook at the big picture\nDelaying your filing beyond FRA will give you a higher benefit on a monthly basis. But will it give you a higher lifetime benefit? Maybe not.\nFiling for Social Security at age 70 makes sense when you expect to live a reasonably long life. But if you don't think that'll happen, whether due to preexisting health issues or your family history, then delaying your filing as long as possible may not be the best way to get more money out of Social Security.\nSay you're entitled to a $1,500 monthly benefit at a FRA of 67. 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So if your goal is to get as much money out of Social Security as you possibly can, an earlier filing date may be a better 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yet back fire sound odd","listText":"flawess yet back fire sound odd","text":"flawess yet back fire sound odd","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/172624714","repostId":2153711620,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":5294557,"gmtCreate":1626960271191,"gmtModify":1631890379057,"authorId":3578133999876009,"author":{"id":3578133999876009,"idStr":"3578133999876009","authorId":3578133999876009,"name":"DreamerAnt","avatar":"https://static.tigerbbs.com/eba2fabfeea729763c141e3097116853","vip":1,"crmLevel":3,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":172624714,"type":1,"supId":0,"prevId":0,"content":"better not on <u>me</u>","text":"better not on <u>me</u>","html":"better not on 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