this post was submitted on 11 Oct 2025
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Interesting. I think people here would agree Social Security is a state pension, we just only call it by its name.
A pension specifically refers to a plan that makes consistent payments throughout retirement and stops at death (or may pass to the surviving spouse until their death). Anything else is a retirement plan if it's tax sheltered until some age, or an investment account if it's not.
I hear annuities are unpopular here, most seem to prefer either a dividend strategy, or sell securities as needed to cover whatever Social Security doesn't.