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Old 05-22-2016, 01:00 PM   #121
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Originally Posted by Fedup View Post
My husband took his beginning of the year, not FRA but over 90% of his at FRA. I plan to delay either at FRA or 70. I was not paying the actuary game but it worked out that way.

I'm getting 83.3% of my FRA.

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Old 05-22-2016, 01:16 PM   #122
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Originally Posted by mathjak107 View Post
it is NOT at all like getting 8% on a cd. you are not counting the checks you are giving up receiving in that number , any spousal adders when you file that your spouse gets nor the loss of growth on the assets you are spending down delaying . getting an increase of 8% in amount is not a return of 8% at all because that 8% has a cost attached to it . . you can see about a 6% real return if one of you lives to 95 or 5% at 90 but basically until you hit break even you have zero return .
I think those are important points many of the popular finance articles do not take into consideration.

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