Investing for a 67-Year-Old
At age 67, those born in 1960 or later reach their Social Security full retirement age and can claim 100% of their primary insurance amount. Delaying past 67 adds 8% per year through age 70, a total increase of 24%. If you are still employed or have other income sources, delaying remains rational. In the portfolio, the accumulation phase is largely complete; the primary challenge shifts to managing sequence-of-returns risk, maintaining purchasing-power protection against inflation, and coordinating withdrawals across taxable, tax-deferred, and Roth accounts.