Why Claiming Social Security Early to Invest USUALLY BACKFIRES

Should You Take Social Security Early and Invest It? It’s a question I hear all the time: What if I take Social Security at age 62 and invest it in the stock market? With the S&P 500 averaging over 11% annually for the past 50 years, it seems like a no-brainer—why wait until age 70 for smaller, guaranteed benefits? But the reality is far more complex.

In this video, I break down why that strategy might not be as smart—or as profitable—as it sounds. While the math looks compelling on the surface, it’s based on a series of assumptions that rarely hold up in the real world. Taxes, behavior, market timing, and even Social Security’s own rules can all work against you.

We’ll also look at the one rare case where taking Social Security early and investing the money could actually make sense—but it only applies under very specific conditions.

If you're thinking about when to claim Social Security, and especially if you're considering taking it early to try to beat the system with investments, you need to see this first.

By the end, you’ll understand why guaranteed income often beats hypothetical returns—and how to make a more informed decision that could save you thousands over your retirement.

Watch now to learn what most people overlook when they decide to take Social Security early
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Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.
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Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.