Social 安全: Its role in your retirement
Three generations of Americans have counted on Social 安全 as a primary source of retirement income.
Before you rush to get your benefits, State Farm® encourages everyone to make an informed decision. Know your full retirement age and closely evaluate potential scenarios. For example, if you were born in 1960 or later, your full retirement age is 67. If you expect to live to be at least 82 1/2, it makes financial sense to delay drawing benefits until age 70. 在那个年龄, you would receive 124 percent of your benefit, as opposed to 100 percent at age 67 or 70 percent at age 62.
It is important to develop a retirement plan that does not rely solely on Social 安全. A suggested approach is:
- Calculate your estimated Social 安全 retirement benefit at ssa.政府.
- Calculate how much you will receive from other income sources, 包括养老金, 401ks, IRAs and other investments.
- Determine how much income you will need to maintain your desired retirement lifestyle. Be sure to account for discretionary expenses, such as hobbies, travel and special events
- Calculate the difference between the amount needed for your desired retirement lifestyle and your projected retirement income. Devise a savings plan to cover some or all of the shortfall. 如果你超过50岁, you can make annual catch-up contributions to your workplace retirement plan and/or IRA.
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