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Retirement planning should depend on two ages, not one

Biological age could be used in the future to determine not just retirement policy but also optimum spending levels in retirement.

By Marlene Y. Satter | Updated on March 28, 2017
Chronological age? or biological age? Which should be used for retirement planning calculations? (Photo: istock)

A new paper says that retirement planning shouldn’t be based only on chronological age, but also on biological age—and that in the future, the biological age factor may become more prominent in retirement policy.

The paper “is inspired by the growing body of medical literature that has identified biomarkers of aging which—practically speaking—offer better estimates of expected remaining lifetime and future mortality rates.”

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