Letters to the Editor
To the Editors:
The February 2007 AAII Journal article by Christine Fahlund, “Invest or Delay? Strategies for Taking Social Security Benefits,” was the best I’ve seen in helping to decide when to take Social Security benefits. Three additional points not discussed, which I believe skew the decision toward taking early Social Security benefits, are: (1) Considering the present value of drawing early benefits seems to me to push the break-even point out even further; (2) Expect the government to continue to tinker with limiting benefits to those who have other retirement income; (3) Quality of life in the early retirement years is at its peak and if taking early Social Security benefits permits greater enjoyment of life quality, then this would be a very importa
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Dick Bottom
To the Editors:
I cannot determine what allocation model is a match for the Model Mutual Fund Portfolio [last updated in the February 2009 Model Portfolios column]. It seems like it is missing a lot and is focused on large-, mid- and small-cap markets. I’d like to use and follow the portfolio, but am concerned it’s not broad or diversified enough. Can you comment on that? Also, do you believe the portfolio is appropriately positioned for whe
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