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The Short Answer

How Should Younger Investors Think About Social Security?

We outline some scenarios for Social Security that younger investors can use to determine their own savings rates.

Q: If you're a younger investor--in your 20s, 30s, or even 40s--how do you factor Social Security into your retirement savings equation?

A: This is an important question for younger investors, and a topic that is hotly debated. You've no doubt heard the admonition that young investors must be as aggressive in their savings as possible, because their full Social Security benefit may not be there when they need it.