![]() ![]() If you receive Social Security benefits at a reduced rate but then change your mind, you have the option of withdrawing your application within the first 12 months of receiving benefits and paying back to the government what you've already received (including Medicare payments and taxes deducted). Environmental, Social and Governance (ESG) Investing.Bond Funds, Bond ETFs, and Preferred Securities.ADRs, Foreign Ordinaries & Canadian Stocks.Environmental, Social and Governance (ESG) ETFs.Environmental, Social and Governance (ESG) Mutual Funds.Benefits and Considerations of Mutual Funds.That there are other things to consider when making the decision about when to begin receiving your retirement benefits.If you delay your benefits until after full retirement age, you will be eligible for delayed retirement credits that would increase your monthly benefit.The disadvantage is your benefit will be reduced. The advantage is that you collect benefits for a longer period of time. There are advantages and disadvantages to taking your benefit before your full retirement age. Percentages are approximate due to rounding. The percent reduction for the spouse should be applied after the automatic 50 percent reduction. ![]() The maximum benefit for the spouse is 50 percent of the benefit the worker would receive at full retirement age.Percentages are approximate due to rounding.You must be at least 62 for the entire month to receive benefits.If you were born on January 1 st, we figure your benefit (and your full retirement age) as if your birthday was in December of the previous year. ![]()
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