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 ...

Group 1 - High-yield ETFs and closed-end funds experience capital and distribution decay, which can be mitigated through rotational strategies rather than long-term investments [1] - A 5-factor ranking system was designed in 2016 to identify the best-performing closed-end funds, with eight top-ranked CEFs shared with members of the investing group [1] Group 2 - The investing group Quantitative Risk & Value focuses on quality dividend stocks and tech innovation companies, providing various market risk indicators and investment strategies [2] - The leader of the investing group has over 30 years of experience in technology and has been investing in data-driven systematic strategies since 2010 [2]