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For investors looking toward retirement, age plays a significant factor in when we punch our last clock. Generally, the number is around 65. After all, that’s when most of the social security and Medicare benefits start to kick in. The problem with 65 – or 62 for that matter – is that it’s just a point in time and not actually indicative of anything.

And this is either a problem or a potential blessing when it comes to retirement spending.

The truth is, your chronological age is pretty meaningless when it comes to retirement planning. New research suggests that we should be focusing more on how ‘old’ our bodies are, and not on the number of candles on our birthday cakes.

Not a Day Over 70

Ever been to the doctor and, after getting a physical, they say “you don’t look at a day over 70”? That’s fantastic news if you’re 85 years old. It’s not so good if you’re only 40. And this is the point behind a series of new studies. The idea is that biological or ‘real age’ is what matters more than your chronological age.

Dividend reinvestment plans (DRIPs) are a great way to build your savings. Here’s Dividend.com’s guide to these moving savings plans.

Your biological age takes into account various genetic, physical and healthcare-related factors to determine how old you really are.

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