fool.com·May 26, 2026
Social Security's surplus is diminishing, and if no action is taken, beneficiaries may only receive about 77% of their expected benefits, significantly impacting retirement plans. It's advised to prepare for potential reductions in Social Security income and to bolster other retirement savings.
The most actionable insight for a professional investor is to plan for a potential reduction in Social Security benefits to around 77% of expected levels. To mitigate this risk, it's advisable to bolster other retirement income streams, such as diversified investment portfolios, to ensure financial stability in retirement, regardless of potential legislative changes to Social Security.