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Message: [QUOTE="pepband99, post: 5285465, member: 79"] The one solid-gold fact - it's such a complex decision - no piece of advice would be good for everyone. The actuarial piece of it is key, though - imagine holding out for 70 to max out your money, and kicking the bucket at 60-something. All that contribution goes for naught. I'll probably take it ASAP, so i can protect myself from sequence of returns risk on my portfolio, which, especially in this market, would scare me to death (bad pun) [/QUOTE]