Best Towns To Retire

How would the ss payments be affected? Is there anything I can do to maximize my benefits? Can I contact social security adminstrtion and tell them I will not work until 62? Would it help? How many years in the past do they look back to calculate retirement benefits? I am not talking about early retirement at age of 62. I am in USA.

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will i have to take a cut in my retirement benefits or in my social security benefits or can i receive the maxium on both benefits?

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Of course — whatever happens in the financial world ends up affecting stocks, bonds and other financial instruments.
But if you’re investing for the long-term, which is exactly what your 401k should be, the possibility of a recession doesn’t mean that you should yank all your money out of stocks.
That’s because the stock market doesn’t necessarily react in a straight line to recessions. In fact, the market may very well recover from its current down cycle and do well for the next few months in the face of a recession, or it may tank completely even if we avoid a recession — in the SHORT term.
Attempting to time the market through yanking your funds in and out of the market is usually going to result in reducing your returns, not improving them, for long-term investments.

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I plan to retire with a state pension at age 56.I will also collect a union pension at age 60.How will this affect social security at age 62 or 65?

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