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About Retirement Calculator, Inc.
Retirement Calculator, Inc. provides the tools and resources necessary to assist you in making critical economic decisions regarding your retirement future.CBS The Early Show
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Asset Allocation
Often financial "experts" make asset allocation difficult to understand. My goal in this series of articles is for you to understand asset allocation thoroughly, in an easy to understand format.- FREE Retirement Calculator recommended by Ray Martin on the CBS Early Show - Watch the video clip
- FREE Retirement EBook written by Bill Losey, America’s Retirement Strategist
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| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 30 yr fixed mtg |
|
3.80% |
|
3.76% |
| 15 yr fixed mtg |
|
3.11% |
|
3.02% |
| 5/1 ARM |
|
2.69% |
|
2.68% |
| 30 yr fixed jumbo mtg |
|
4.38% |
|
4.39% |
| 5/1 jumbo ARM |
|
2.94% |
|
2.89% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| $30K HELOC |
|
4.60% |
|
4.59% |
| $50K HELOC |
|
4.24% |
|
4.24% |
| $30K home equity loan |
|
5.77% |
|
5.76% |
| $50K home equity loan |
|
5.50% |
|
5.47% |
| $75K home equity loan |
|
5.47% |
|
5.44% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 36 month new car loan |
|
3.13% |
|
3.13% |
| 48 month new car loan |
|
3.24% |
|
3.25% |
| 60 month new car loan |
|
3.34% |
|
3.35% |
| 72 month new car loan |
|
3.31% |
|
3.31% |
| 36 month used car loan |
|
4.36% |
|
4.36% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 6 month CD |
|
0.46% |
|
0.46% |
| 1 yr CD |
|
0.70% |
|
0.70% |
| 5 yr CD |
|
1.38% |
|
1.38% |
| 1 yr IRA CD |
|
0.71% |
|
0.71% |
| 5 yr IRA CD |
|
1.49% |
|
1.49% |
Retirement Planning Solution
Retirement Calculator, Inc.retirementplanningsolution.com
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Be a Part of the Retirement Planning Solution: Take Control of Your Investment Strategies
Planning for your retirement can be challenging. When you are first beginning. you may not know where to look for good advice; therefore, you may find yourself looking into a number of different retirement planning solutions. You will therefor access a number of different financial services, and with those services, you will be able to gather advice. With those financial service companies, you will be able to take notes on those investments that might help you to reach your retirement goals. But what happens when you are need more than just advice and notes; what happens when you really commit yourself to planning for your retirement? Where do you turn when you are looking for the information that you need to allow you to reach your retirement goals? It is possible for you to consider the goals that you have for your retirement and to use the advice you get from financial advisors - to apply a retirement planning solution. It is possible to look at the goals that you have for your retirement and to look at your investment strategies to be sure that the retirement you will have is the retirement that you have been working toward. After all, once you have determined what you want from your retirement, there are only a few things left that you will need to know and understand so that you will be able to create a solution for any challenge that comes up in your retirement planning. You will need to know how your investments have performed in the past. You will need to know how those investments are projected to perform as time goes on. Similarly, another element of the retirement planning solution is to know the ways in which inflation and changing interest rates will affect your retirement savings. And, you will also need to know how any changes - including any withdrawals you make from your retirement savings - that you make to your savings and investments will affect the amount of money that you have saved once you retire. Most retirement counselors will give you the impression that researching all of those things will take a huge amount of time. Many financial planners will tell you that you cannot accurately predict the performance of your savings. Most financial advisors will tell you that you need to have someone who is there to guide you. But what if you could download a free and easy to use tool that would be able to do the research into how your investments have performed for you? What if a free and easy to use tool could accurately reflect the ways in which interest and inflation will affect your savings and give you a strong sense of how your investments will perform? Some retirement advisors would like you to believe that this kind of tool doesn't exist. But when you consider the retirement planning solution, when you listen to CBS News financial analyst Ray Martin, you will learn that this tool not only exists but is also easy for you to access. You can download this free retirement calculator by clicking the red button at the bottom of this page. With it you will be able to evaluate your savings and investments, and - even more importantly - you will be able to determine which investment strategies could benefit you even more than the ones that you have been using. But those are not the only benefits to using this retirement calculator as a part of your financial planning solution. In addition, after you have taken the time to look at your savings and investments and at the different strategies that would affect your retirement plan, you will be connected with a financial advisor for a free one on one consultation. During that consultation, you will be able to work with a professional retirement counselor to get your questions answered and to find the best way to get your savings on track. Regardless of which retirement planning solution you've consulted, you have been encouraged to get your investment strategy on track. Take that advice: study your investment strategy. Work one on one with a financial advisor. Secure your financial future and the retirement you've always dreamed of. Just click the red button to download your free retirement calculator and find your retirement planning solution. |
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Retirement Knowledge Center
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Analysis of the Economics of Early Social Security Withdrawal
Robert J. Phillips
Chief Retirement Consultant
Deciding whether or not to take the early withdrawal of social security at age 62 can be difficult. If you need this income at 62 to fund your retirement the decision is fairly straightforward. Take it early! On the other hand, if you have another source of revenue to fund your retirement your decision will be primarily based on lifestyle, health and investment preferences.
Several factors can affect your decision. First is your life expectancy. If you are in good health and have a family history of living beyond 90 then waiting for full benefits may be best. Two other factors impact this decision. First and most important is the value of money or your expected return from your investments. If you are using other investments instead of social security to fund your retirement you should use the rate of return of these investments as your value of money. There is another way to look at the value of money. If you do not require the social security money to live, you can invest the distributions for the future. The rate of return of this investment is your value of money. If your investments will make larger returns such as stocks this would favor taking the early withdrawal.
The last factor impacting your decision is inflation. Social security includes an annual adjustment based on inflation. You cannot control this variable but you should be aware of its impact. If future inflation is significant it will favor a later full distribution
FREE Social Security Calculator:
Find Out Your Breakeven AgeWe developed a calculator to assist in analyzing the impact of taking early benefits at age 62 or waiting for full benefits at age 66 to 67 depending on the year you were born...If you were born in 1960 or later your full benefits will begin at age 67 and your reduction for early benefits at age 62 will be 30%. If you were born between 1946 and 1960 your full benefits begin as early as age 66. We have included a chart that summarizes information.
To use the calculator you need to input your year of birth. You also need to input a value of money up to 10% and a projected inflation adjustment. The calculator analyzes income generated over time from both the early and full benefit investments. It calculates the age at which full social security will catch up and breakeven with the early withdrawal. If you were born before 1960 your breakeven age will be impacted by the year you were born. An early breakeven age favors waiting for full benefits.
The social security calculator is not the final answer whether to take an early withdrawal but it does give you additional economic data to assist in that decision. Ultimately you must balance income, investments and lifestyle to optimize your enjoyment during your retirement years.
