@indigo It is actually quite hard to know what to do. I called them up yesterday, and explored the website, where I learned that for each year I defer, the amount I get goes up by "almost 5.8%". Is that worth it, I ask myself. Yes, inasmuch as it would be hard to find another investment that can get 5.8% p.a. On the other hand, it means I need to keep earning that much more each month. I
I'm honestly torn. So to defer, I asked them to send me an estimate of how much I can actually expect. That puts the decision off another week to 10 days.
// @matigo