logo
welcome
SmartAsset

SmartAsset

I'm 65 With Only $120k Saved. Is It Too Late to Retire Comfortably?

SmartAsset
Summary
Nutrition label

74% Informative

A low-savings retirement is one in which you don’t have enough money in your portfolio to generate a comfortable retirement income.

Delay retirement until age 70 if you can; this will boost both your benefits and your savings.

For Social Security , unfortunately this is a profile where you likely won't qualify for maximum benefits.

An annuity might be a strong option, as these can sometimes maximize value of relatively small portfolios.

If you have a low-savings retirement, don’t panic, you have time and opportunities to make sure that you are comfortable in your later years .

Managing spending and, potentially, relocating to an inexpensive community might be the key.

Get matched with a financial advisor who can help you evaluate your options for retirement.