[E. Pluribus Unum]

I meant just in terms of the probable present-day value of the total amount you will eventually collect.

[AppyPappy]

Investing what you get at 62 in a good mutual fund is the best option but it leaves you vulnerable. If your savings get wiped out, you are exposed. I have seen too many old people fall for scams. My wife’s rich aunt lost everything to a Jamaican Sweepstakes scam.