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Experts at Maximize My Social Security have answered more than 10,000 questions about Social Security over many years. Search for your questions and answers here.
Does MaximizeMySocialSecurity Consider Alternative Investments?
Does your calculator cover my rate of return on my investment. In other words does it consider if I invest the social security money that I receive.
MaximizeMySocialSecurity determines the best filing strategy based on the present value of lifetime benefits. So, the discount rate used to calculate that present value implicitly considers alternate investments. See: https://en.wikipedia.org/wiki/Time_value_of_money, for information on the Time Value of Money. We strongly recommend that you use a discount rate of about 2% to ensure that your are comparing equally risky alternatives.
Best,
Mike
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Posted:
July 10, 2016