COLA Disappointments and Social Security Risks: Millions of Americans rely mostly on Social Security in retirement. But this can create serious financial risks. The average Social Security benefit in 2025 is only $2,015 per month, roughly $24,000 per year. For most retirees, that replaces just 40% of their pre-retirement income. And there’s more risk ahead. in the next decade. As baby boomers retire, the program may run out of funds. If Congress doesn’t act, benefits could shrink. Relying solely on Social S ...

There's a reason seniors are told to think carefully before signing up for their Social Security benefits. The age at which you file your claim will have a direct impact on the amount of money Social Security pays you each month. Filing for Social Security at full retirement age (FRA) means you'll avoid any sort of reduction to your monthly benefits. FRA is 67 for people born in 1960 or later, but it varies slightly for earlier birth years—check SSA.gov for your exact age. However, you're allowed to claim S ...

The U.S. Central Bank wrapped up a two-day meeting on December 10, 2025, marking the last Fed meeting of the year. ...

You've done the work of saving for retirement, but now that you've reached your golden years, do you have a plan for how you'll spend down your nest egg? Key Takeaways This is because withdrawals of investment earnings from Roth IRAs are tax-free. In contrast, you must pay ordinary income tax on both your investment earnings and any contributions you withdraw from a traditional 401(k). Related Education For future retirees, Morningstar suggests withdrawing 3.9% of your portfolio the first year and then adju ...

AMLP offers an 8.24% yield from midstream MLPs required to distribute 90% of profits to shareholders. VYMI returned 33.78% year-to-date while avoiding AI exposure through international dividend stocks. ...

Here's where claiming Social Security at 62 becomes a game-changer for active retirees. While the monthly benefit will be permanently reduced compared to delaying your claim, the guaranteed income it provides creates a crucial financial foundation. While you cannot rely solely on Social Security, especially for an active retirement, knowing you're guaranteed to get something each month allows you more flexibility with other income sources.Retiring early also gives you time to spend with your family, especia ...

J.J. Gouin / Shutterstock.com Quick Read Living on Social Security alone could create an income shortfall in retirement. Not only are benefit cuts possible, but COLAs often fall flat. It’s smart to supplement your Social Security with ETFs that can generate steady income. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than expected. take 5 minutes to learn more here   There are millions of reti ...

India has more than 400 million unorganized workers. They are earning only day-to-day wages and not getting any benefits. We need to shift the people from the informal to the formal sector.That would help us to develop our economy. Through the initiative of e-Shram, the National Unorganized Workers Database was developed, and we are able to provide those workers with social security benefits, also giving them access to the National Career Service portal. NCS is a one-stop solution for job seekers, employers ...

Core Insights - Individuals preparing for retirement in 2026 face critical decisions regarding Social Security claims, Medicare enrollment, and investment portfolio management [1] Investment Strategy - Many retirees consider reducing stock exposure to minimize portfolio volatility, but this may be a mistake as stocks are essential for long-term growth [2] - Maintaining a stock investment is crucial to ensure sufficient withdrawals from retirement accounts like IRAs or 401(k) plans [2] Cash Reserves - It is advisable for retirees to keep cash reserves equivalent to two years of living expenses to weather potential stock market downturns [4][5] - For example, if annual expenses are projected at $60,000, maintaining $120,000 in cash is recommended [4] - This strategy allows retirees to avoid selling investments during market declines, thereby preserving their savings [5] Cash Management - Cash reserves should not remain idle; retirees are encouraged to utilize high-yield savings accounts or CD ladders to earn interest on their cash [6] - The amount of cash needed should be influenced by portfolio composition, Social Security benefits, and individual risk tolerance [6]

France’s efforts to adopt a budget could roll into next year as divisions remain among lawmakers and senators despite a breakthrough on the social security bill, the government said https://t.co/BPq24PAstW ...