Personally I don't think this is the best way to think about pensions. My reasoning is that pension income (stable, reliable, bimonthly payments) is better than other investments as you get older. Wrote about it more here: https://www.retirejapan.com/blog/pensio ... vestments/ClearAsMud wrote: ↑Wed Oct 20, 2021 8:08 am This is because when you delay your pension, you’re betting that you’ll stick around long enough to receive more money than you would have had you started taking the pension at an earlier age.
Of course this is not the only way to think about this, or necessarily the correct way to do so
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