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Social Security: The Risk Of Filing Later?
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- Опубліковано 19 сер 2024
- #shorts
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See Disclosures Below
⭐⚠️⭐Please read this⭐⚠️⭐
⚠️I am not an attorney, SSDI advocate, or affiliated with the Social Security Administration or any other entity of the US Federal Government . I am a practicing financial planner, but I’m not YOUR financial planner and since I don’t really know you, I can’t give you advice. So please don’t take this video as specific advice for your specific situation. Consult your own tax, legal and financial advisors. 🙇🙇🙇🙇🙇
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Watch the full video here! ua-cam.com/video/E1kKxvHXCU0/v-deo.html
Only put the link so it can be clicked on please. It would make it so much easier if you were able to do that
Taking SS at 62 is the best way to go for me and most people.
What do you mean “most people”? Lol.
@@dmoon9037 People whose life expectancy is the National average of 78 based on family history.
Most people don’t have their year of death on an actuarial timer.
@@dmoon9037 When investing you do when you have a very large family. I am sorry that you do not. It is reality. Enough said. No response necessary.
@@dmoon9037 By the way, Hydens Governmental data does not lie. Lol
Question. My husband died when I was as 54. I have multiple sclerosis and receive half of husbands Sadi. I am now 71. Can I get 100 percent of his social security?
To nullify this risk, have the amount of money you need for this period of time already in cash, not in equities, so that sequence risk will not be a factor.
They want us working until we die, and not collecting. Unfortunately, I put myself in exactly that situation. I plan on working until 70, just to be able to secure my family's future. It will be a hard life for our kids and grandkids for sure. They will be lucky not to live through another world war!!
Exactly why I’m waiting for the markets to go up on a constant b4 retiring.
If married, one should wait until 70.
There are "hidden dangers" everywhere -- even in my closet! Good advice, however. 😮
Hahahaha PORTFOLIO.... Wheres THE Guy WHO TALKS TO SOMEONE WHO NEVER HAD ONE OF THOSE!?!?!
You are your portfolio
I turned 61 in March 27th this year when is the earliest that I can file
When I retire and delay Social Security I will have a social security bridge of fixed income. Sequence return risk is irrelevant if you are not invested in stocks.
If you want some non-stock sequence of return excitement, try long-term government bonds when you discover ex post you are in an inflationary / rising rate environment. If you need to sell fixed income securities in retirement, sequence risk is still a factor. If you don’t need to sell (i.e. hold to maturity) and interest is your bridge, that’s good protection from sequence risk. And then conservation of risk is in play: in exchange for protection from sequence risk, other risks bear such as inflation risk, credit or default risk, liquidity risk. No free lunch.
@@dmoon9037 my social security bridge will be using individual fixed income products ( liability matching)
I'm going to use an COLA adjusted SPIA along with this.
Will have mostly stocks for the rest to combat future possible inflation above COLA of SPIA and long term care
@@johngill2853 thanks; I’m considering a SPIA. If you care to share here, in your own planning, how did you decide the % COLA adjustment that works best for you on the SPIA? Also, for the fixed income products, are you considering any TIPS?
@@dmoon9037 I hold I bonds as my emergency fund but no TIPs(actually no fixed income at this time, about 10 years to reach my goal, I only need 6% return)
I will buy as much COLA adjustment as I can, I'm shooting for 2% if I reach my goal but if I can do better than 6% nominal over the next 10 years I would try and get 3% COLA
@@johngill2853 thanks for elaborating - I have a similar goal 5.5% to 6.5% annual return - re: COLA adjustments on fixed annuities, I’m trying to analyze whether it may be prudent to calibrating my inflation adjustments with simple purchases of additional SPIA, rather than buying the COLA into the SPIA contract
Don’t posts shorts as it is not always to get to link for full video!! Just post the whole thing