I didn’t put in rates of returns because the point was improved asset allocation and withdrawal rate by delaying.I don't think you even stated one in your example above.
I can put in what ever annual returns for stocks/bonds you want for a “break even” point if you like.
In the end, it seems you’ve made up your mind despite acknowledging that you have incomplete information.
There have been so many studies/analysis of this topic I don't think there is any incomplete information. It's just how you interpret it.
Give me your preferred after inflation rates of return, or any other numbers you want, and I’ll plug them in.
OTOH, you seem rather resistant to changing your opinion based on new information. Are you willing to agree that it reasonable to adjust AA to more stocks when you have a larger SS benefit after delaying a year?
Statistics: Posted by murrays — Sun Oct 26, 2025 9:31 pm — Replies 229 — Views 22315