re: Social Security - Help me understand better

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SS has a horrible return on investment, but government loves to borrow money with a zero or negative interest rate.

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While social security is not now, never has been and never will be an investment lets pretend for a moment it is.....the ROI is better than most investments because there is almost NO risk involved. If you do not die before you reach FRA you will receive SOME return on your money...everyone who does not die before FRA and has paid into the system will also receive some return. This return is GUARANTEED and backed by the US Government....there is NO other investment that will return SOMETHING that is close to as risk free as Social Security.

Additionally, should you become diasbled you will see a return on your investment. That is not the case of any other investment if it no longer has any value which can and does happen. Your spouse will also see a return if you took a lower benefit or they have no other income. Again, if any other "investment" has lost value to zero they will see nothing. Finally if your child becomes an oprhan they will see some return until they become an adult. Try that with an investment which has lost all value. Risk is a major consideration when comparing ROIs and there is almost zero risk in social security compared to almost any other investment.....therefore social security, were it an investment (it is not) would have better ROI than any other....