62到67也是每年增加約8%

用你給的數據：

Maximum Benefit Amount (2025):

• $2,831 per month: This is the maximum benefit for those who claim as early as possible at age 62. 

• $5,108 per month: This is the top benefit for high earners who delay claiming their benefits until age 70.   
   
• $4,018 per month: This is the maximum benefit for those who claim at their full retirement age

 

$4018 / $2831 = 1.42, 也就是說： 62到67，5年推遲會增多退休金42%，約8%/每年。

所有跟帖： 

• 原來的問題是：5*8 = 40，不是42 -slow_quick- ♂ (0 bytes) () 09/01/2025 postreply 12:44:30

• 8%/年，沒有“約”這一說，仔細看看我的帖子 -slow_quick- ♂ (0 bytes) () 09/01/2025 postreply 13:11:30

• 2022年， FRA是66歲2個月 -螺絲螺帽- ♀ (0 bytes) () 09/01/2025 postreply 14:05:23

• 哈哈，是漸變不是突變，忘了這茬 -slow_quick- ♂ (0 bytes) () 09/01/2025 postreply 14:42:02

• 五年+42%， 一年7.5%都不到 -nancyjin5391- ♂ (65 bytes) () 09/01/2025 postreply 14:32:19

• 對的，線性增加，不是複利 -slow_quick- ♂ (115 bytes) () 09/01/2025 postreply 14:39:40