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Personal Investments • Delaying pension vs collecting and investing

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I am 56 and have a very small pension due from the musician's union.
  • I will almost for sure not be contributing to the fund any longer (I am not even a member at this point), but the chance of me rejoining is not zero.
  • The benefit increases by about 10% each year I delay taking benefits.
  • The pension contains no COLA so that number would effectively be reduced by whatever inflation was.
  • I am not relying on the money for my expenses, so could collect the money and invest it instead of waiting to start benefits.
  • My wife will not receive the pension after I die.
Better to delay payments or start collecting/investing now?

Statistics: Posted by PaulWilliams — Thu Aug 01, 2024 6:12 pm — Replies 5 — Views 542



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