GWPotter writes,Ray I will say it again you are misleading people. While you do CYA by saying SS in not clear about COLAs on the initial amount if one delays benefits after age 62 - those COLAs are present and real. I agree. According to current law, you get the COLA if you delay benefits to 70. The fact that Ray's spreadsheet ignores this is a major error. The idea that breakeven is age 98 or whatever Ray comes up with is nonsense.If you include the COLA, you get a breakeven of age 78 for a 2% investment return and age 80 for a 10% investment return,http://retireearlyhomepage.com/bad_annuity.htmlintercst
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