As I recall John Bogle used 2% in "Common Sense Investing."I used 3.5% real, which is well below historical returns for a 60/40 AA, and my3.5 % real is a pretty high discount rate for modeling.
Open Social Security generally uses the real yield of the 20yr TIPS, currently around 1.9%. Higher discount rates favor earlier claiming.
20yr TIPS is probably the best risk free rate to use for an inflation protected benefit like SS.
analyses still favors my claiming at age 70.
Statistics: Posted by Charles Joseph — Mon Feb 05, 2024 11:47 am — Replies 48 — Views 4036