SmartAsset and Yahoo Finance LLC may earn commission or revenue through links in the content below. Imagine that you have $900,000 in a Roth IRA and collect another $2,200 per month in Social Security. Can you afford to retire at age 66? A good way to answer this question is to start with your budget. What do you expect to spend on essentials, like housing and fixed monthly expenses, and what will it cost to maintain your lifestyle? Then take a look at your retirement income and see how all those figure ...

Key Points A later retirement puts you at an advantage in certain regards. Figure out a withdrawal rate that supports you desired lifestyle while preserving your nest egg. Continue to invest wisely so your portfolio keeps generating returns. The $23,760 Social Security bonus most retirees completely overlook › A lot of people retire in their 60s, but doing so isn't for everyone. And there can be benefits to delaying retirement until your 70th birthday, especially if you enjoy what you do for a li ...

At 65 years old, Lloyd thought he was doing everything right. He was retired, his house was paid off, and he had $220,000 tucked away in his 401(k). But as the reality of daily expenses started chipping away at his nest egg, he called into "The Ramsey Show" with a simple question: should he start taking Social Security now and give his savings a break? "I'm 65 years old, be 66 in four months. I'm retired and right now I'm living off of my 401(k), and I wonder would I be better off to go ahead and start d ...

Key Points It's a good idea to do some portfolio rebalancing ahead of retirement. Make sure you're not too heavily invested in volatile assets. Line up steady portfolio income and reserve some cash as a backup plan. The $23,760 Social Security bonus most retirees completely overlook › If you're planning to retire in 2026, you've probably begun what should be a very joyous countdown. But it's important to do the right amount of last-minute planning before your career comes to an end. One importa ...

First, as Dever noted, inflation is a hidden risk. Most investors learn the common wisdom of investing in growth-oriented assets during their working life and more conservative, income-oriented assets once they retire. This is a strategy built around protecting your nest egg in your retirement years.There are two big risks despite this well-funded retirement account, but a financial advisor can help you prepare for both of them.“The 4% withdrawal rule can be a useful starting point,” said Bryan Cannon, auth ...

文章核心观点 - 文章核心观点在于强调除了社会保障福利外，年金是另一种可以为退休人员提供终身保障性收入的金融产品，并建议根据个人收入需求和风险承受能力选择适合的年金类型 [4][5][7] 社会保障福利 - 社会保障福利是许多美国人退休后的唯一或主要收入来源，因此选择正确的申领年龄至关重要，因为它直接影响每月领取的金额 [2] - 与个人储蓄不同，社会保障福利提供终身保障，只要申领人健在，每月都能获得这笔收入，且资金永不耗尽 [3] 年金产品概述 - 年金是一种与保险公司签订的合同，通过向保险公司支付费用，购买者可以获得终身保障性收入，无论其寿命有多长 [5] - 年金产品主要分为两类：固定年金提供可预测的稳定月度支付；而可变年金的支付金额则会根据市场条件波动 [6][7] 年金产品的选择与考量 - 个人应根据自身的收入需求和风险承受能力来选择年金类型，寻求稳定支付者可选择固定年金，而能承受更高风险者则可考虑可变年金 [8] - 尽管年金能提供收入保障，但其设立成本可能较高，并且其投资回报可能低于战略性的主动投资 [7]

Harbucks / Shutterstock.com Quick Read Health limitations can reduce earning capacity before retirement age and increase healthcare costs simultaneously. Claiming Social Security at 65 provides immediate income for medical expenses without relying on continued work ability. Delaying benefits for higher monthly payouts assumes longevity that chronic health conditions may not allow. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to re ...

文章核心观点 - 社会保障福利是数百万美国退休人员的重要财务支柱 其终身支付特性提供了个人储蓄可能耗尽所无法提供的财务安全感 [2][3] - 年金作为一种金融产品 可以作为社会保障的补充 通过一次性或分期付款给保险公司 换取终身收入流 从而解决长寿风险问题 [6][7][8] 社会保障的角色与特点 - 社会保障是退休人员的财务生命线 即使个人有可观储蓄（例如200万或300万美元）也可能在寿命结束前耗尽 但社会保障福利只要在世即可持续领取 [2][3] - 社会保障资金来源于工资税 只要有人工作 支付福利的资金就会持续流入 因此可被视为有保障的月度收入来源 [4] - 社会保障福利是终身保障的 关于其将耗尽的传言并不属实 [3][7] 年金作为补充退休收入工具 - 对于偏好稳定、可预测收入的人 在社会保障之外考虑年金是有益的 年金能提供终身收入 防止储蓄因寿命过长而耗尽 [6] - 年金运作方式通常为向保险公司支付一笔资金（通常为一次性付款）并选择适合的支付选项 以换取后续收入 [8] - 固定年金与社会保障相结合 可以创造独立于市场波动的可预测退休收入 [7] 其他退休收入来源的局限性 - 通过正确的投资组合配置低风险资产（如国债、存款单）可以获得可预测的支付 但产生的收入可能不足以满足退休需求 [5][6]

文章核心观点 - 当前同时工作和领取社保福利已成为普遍现象 波士顿学院退休研究中心报告发现五分之二的人会在某段时间内同时工作和领取福利 [1] - 社保制度设计初衷是为不再工作的人提供收入 但如今许多65岁以上家庭同时拥有工作收入和社保收入 [3] - 工作与福利结合的人群可分为两类 超过三分之二是低收入且提前申领者 剩余三分之一是高收入且在完全退休年龄左右申领者 [4] 社保申领与工作结合现状 - 劳动力参与率在62岁后急剧下降 但工作收入仍构成65岁以上家庭收入的五分之一以上 [3] - 提前申领社保的低收入人群通常从事兼职工作 需要社保来补贴收入 [4] - 在完全退休年龄左右申领的高收入人群通常继续全职工作 其综合收入通常超过申领前的水平 [4] 社保福利申领规则 - 最早可在62岁申领社保 但福利可能比完全退休年龄时减少多达30% [6] - 完全退休年龄对于1960年或之后出生的人为67岁 [6] - 若将福利从完全退休年龄延迟至70岁 每年可获得约8%的延迟退休积分 积分在70岁时停止累积 [7] 工作对社保福利的影响 - 在62岁之后 完全退休年龄之前申领福利并继续工作 若收入超过一定门槛（约23,000美元） 社保局将暂时扣留部分福利 [8]

文章核心观点 - 文章核心观点在于探讨退休收入保障问题 指出社会保障福利虽提供终身稳定收入但不足以覆盖全部退休开支 因此建议将年金作为补充解决方案 以提供类似社会保障的终身收入保障 从而降低长寿导致储蓄耗尽的财务风险 [2][3][6][7][8][9] 退休收入现状与挑战 - 当前退休人员平均每月从社会保障获得略高于2000美元 即每年略高于24000美元的收入 [4] - 社会保障预计仅能替代典型收入者退休前工资的约40% 但退休生活实际可能需要相当于该金额两倍的收入 [6] - 退休后部分开支可能减少 但医疗保健费用因时间推移和健康问题可能上升 同时因空闲时间增多娱乐开支也可能增加 [5] 传统退休储蓄工具的局限性 - 个人退休账户或401(k)计划无法提供终身收入保证 存在因寿命超预期而耗尽储蓄的风险 [2] - 使用个人退休账户或401(k)时 需谨慎规划投资和提款策略 并在市场低迷时提款需格外小心 [2][9] 年金作为解决方案的优势 - 年金可提供终身收入保障 类似于社会保障 但需向保险公司支付前期费用 [3][8] - 年金能提供可预测的现金流 无需担心市场状况波动的影响 [9] - 将社会保障与年金结合 被认为是解决退休收入需求的优秀方案 [8]