No. of Recommendations: 3
ray: "Delaying SS doesn't give you an 8% return. It just increases your eventual benefit by 8% for each year of delay (up to 70). But you forgo any benefit payment for that year.

I should be more careful with my choice of words. I thought it was obvious that I knew that much.

The intended point was that even if I started withdrawing at 62, which would in my case be about $1800 per month, and even if I earned 5 or 6% per year on that money, my combined dividend income on that money and my continued payments of of 1800 would be lower than my 3300 monthly payments starting at age 70 even after adjusting for inflation. And if my investments crashed during that timeframe...

For me, the delay offers a little more security for the possibility that I or my wife or both might live well past 85 and/or the possibility that my own investments might fare less well than I hoped.
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