关于何时取社安金， 我的建议是不要拖到70岁！

因为， 钱在你手里是可以生钱的。 如果考虑钱生钱的因数， "break even"的年岁就更晚了。

假设 你税后的收益是5%，  "break even"的年岁就是84 而不是政府告诉你的80了。

 

For deciding when to get the SS Benefit,  one should consider that the money in your hand can grow.  The following table shows that if I assume 5% growth rate (after tax) for the money in my hand, then compare with withdrawing at 67, the breakeven age for taken SS benefit is 84 years old. not the 80 years as the government told us. If we count in the risk that SS benefit could decreas due to depletion of the fund, we should also take SS benefit earlier than later!
base	3000	per month
SSN growth	2.6%	Average SSN increase per year.
cash growth	5.0%	Your Capital Gain after Tax.
Age	Withdraw at 62	Accumulative amount	Withdraw at 67	Accumulative amount	Withdraw at 70	Accumulative amount
62	25200	25200
63	25863	52322.76	0
64	26543	81482	0
65	27241	112797	0
67	27957	146394	39939	39939.24183	0
68	28693	182407	40990	81979.28778	0
69	29447	220974	42068	126203	0
70	30222	262245	43174	175687	53536	53536
71	31017	306374	44310	228781	54944	111156
72	31832	353525	45475	285695	56389	173103
73	32670	403871	46671	346651	57872	239630
74	33529	457593	47898	411881	59394	311006
75	34411	514884	49158	481634	60956	387512
76	35316	575943	50451	556166	62559	469446
77	36244	640985	51778	635752	64204	557123
78	37198	710232	53139	720679	65893	650872
79	38176	783919	54537	811250	67626	751042
80	39180	862295	55971	907784	69405	857998
81	40210	945620	57443	1010617	71230	972128
82	41268	1034169	58954	1120102	73103	1093838
83	42353	1128231	60505	1236612	75026	1223556
84	43467	1228110	62096	1360538	76999	1361732