Everyone Wants “Resilience Over Returns.” Delaying Social Security May Buy More Safety Than Moving to Cash.

4 days ago 12

Gerelyn Terzo

Wed, August 12, 2026 astatine 5:01 AM CDT 5 min read

Quick Read

PwC's 2026 survey recovered 83% of Americans present prioritize fiscal resilience implicit returns, with 71% saying marketplace volatility changed however they deliberation astir retirement.
Filing for Social Security astatine 62 alternatively of 67 permanently reduces benefits by 30%, portion waiting past afloat status property adds 8% per twelvemonth done property 70.
Healthy near-retirees with liquid savings tin usage those assets arsenic a bridge, spending them present to money a larger, lifelong, inflation-adjusted Social Security cheque later.
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The Survey Everyone Should Read Twice

The temper among American savers has shifted, and the numbers are striking. PwC's 2026 Market Volatility Survey, fielded from May 27 done June 3, recovered that 83% of consumers see gathering fiscal resilience much important than expanding semipermanent returns. Another 76% are much focused connected liquidity and exigency preparedness, portion lone 18% are consenting to judge much hazard for further returns. Seventy-one percent said volatility had changed however they deliberation astir retirement.

An overhead close-up presumption displays respective overlapping fiscal items. A folded stack of US hundred-dollar bills, featuring the fig "100" and "DOLLARS" successful green, lies diagonally crossed a achromatic document. This document, titled "Retirement Plan," contains columns of numbers, immoderate marked 'n.a.' oregon '...' and includes tiny horizontal barroom charts successful greenish and red. Partially disposable astatine the bottommost is simply a cream-colored paper with "SOCIAL SECURITY" printed prominently successful bluish text.

Picture a hypothetical near-retiree who conscionable turned 64. She has savings, a paid-off house, and has been speechmaking the aforesaid unsettling headlines arsenic everyone else. Her instinct is to determination much wealth into certificates of deposit oregon a money-market money and hold retired the storm. She is besides considering filing for Social Security now, figuring that a authorities cheque successful manus feels safer than a larger 1 later.

Here is the twist. One of her strongest sources of fiscal resilience whitethorn beryllium the Social Security payment she has not claimed yet. Waiting could bargain much of precisely the information she says she wants.

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What Delay Actually Buys

Social Security provides 3 features that enactment up neatly with the PwC findings. The payment does not emergence and autumn with the banal market. It receives yearly cost-of-living adjustments, including 2.8% successful 2026. And the payments proceed for life, protecting against the hazard of outliving a portfolio.

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