3 retirement tips you’re not thinking about

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By Russ Wiles

Save more, invest earlier, watch expenses. Those are some of the traditional retirement suggestions of which most people seem aware. Here are three others that might have flown beneath your radar:

• View Social Security as an investment. Morningstar.com recently polled its readers on whether Social Security retirement benefits should be considered part of an investment portfolio. The majority said no. Most saw Social Security as “an income stream, not an asset,” wrote Karen Wallace, a senior editor at the website. There’s logic to that, as Social Security benefits can’t be bought or sold like stocks or bonds.

However, Vanguard founder John Bogle, among others, has argued that Social Security benefits are similar to bonds and that they could play a similar role in investment portfolios.

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