The OP already knows how their investments will do. Invested only in CDs and i-bonds*.They are already retired. The choice is between spending savings and collecting SS. It's a bit of a math problem.A bird in the hand might be worth two in a bush? You might ask yourself these questions. How stressful is it for me to work? Am I jeopardizing my health by working? How much am I willing to sacrifice so I do not have to work at a stressful job? What are the most important things in life for me?
By working at a stressful job, am I leading a life of quiet desperation? What's my and my parents' and my siblings' health history and longevity?
The good thing is they don't have to choose between filing at 62 or 70. They can wait, see how their investments are doing and they can file at any time they want.
At best the 300k will keep up with inflation or very slightly beat it. Could lose some if inflation rises and the CD rate is not that good. Guaranteed no significant real gain. What the OP will learn is how their expenses are going.
I'd be more fearful of the guaranteed low/zero return of the investments than anything else. A 20/80 equity/fixed income mix is surely safer for a long term investor than all fixed income and has very low volatility.
* curious about the latter, until recently i-bond yields were awful. I quit buying them years ago when the rate was .1 or 0, etc.
Statistics: Posted by TN_Boy — Thu Aug 28, 2025 9:15 am — Replies 71 — Views 10930