At Hill Investment Group, we’ve found that when a few clients ask similar questions, many more likely share the same curiosity. To better serve you, we’ll periodically feature this “Hey Hill” segment in our newsletter, addressing common client questions and explaining our perspective. To submit questions for future newsletters, email us at service@hillinvestmentgroup.com.

Hey Hill, should my Social Security income change how I invest?

Many investors underestimate how significantly Social Security can impact their financial plans. Rather than viewing it merely as a government benefit, think of Social Security as what it truly is—a guaranteed, inflation-adjusted income stream, similar to a bond within your portfolio.

This means your actual fixed-income allocation may be higher than you’ve realized. As a result, incorporating Social Security into your planning can allow you to take on more investment risk than initially assumed, potentially enhancing your portfolio’s long-term growth.

Clients often ask us:
– Should I reduce my stock exposure as I near retirement?
– How much investment risk is appropriate?
– How should I factor Social Security into my overall investment strategy?

Reframing Social Security as a reliable income source can help you feel more confident maintaining a higher equity allocation, improving your portfolio’s potential for growth over time.

Want to discuss how this concept applies specifically to you?

We’re here to help. Reach out at service@hillinvestmentgroup.com.