An individual's Social Security contributions are invested in a savings account for that individual and can then be withdrawn at retirement. True False Question 15 4 pts Cedric is 62 and wants to start collecting social security benefits. You want to offer some advice. Which of the following would be accurate to tell Cedric? Cedric is not actually eligible to start collecting social security benefits until the full retirement age of 67. Cedric is not actually eligible to start collecting social security benefits until the full retirement age of 70. Cedric can retire at 62 and start collecting benefits, but his benefits will be at least 25% lower than the full retirement benefit forever. O Cedric can retire at 62 and start collecting benefits, but his benefits will be at least 25% lower than the full retirement benefit until he reaches the full retirement age. Question 16 4 pts If you want to invest your money in a low-cost mutual fund that tries to mimic the returns of the S&P 500, how much should you expect to pay in fees? O 0.15% O 0.5% O 1.0% 1.5% 0 2.0%