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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
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| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 30 yr fixed mtg |
|
3.89% |
|
3.92% |
| 15 yr fixed mtg |
|
3.22% |
|
3.26% |
| 5/1 ARM |
|
2.87% |
|
2.88% |
| 30 yr fixed jumbo mtg |
|
4.43% |
|
4.50% |
| 5/1 jumbo ARM |
|
3.04% |
|
3.14% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| $30K HELOC |
|
4.77% |
|
4.81% |
| $50K HELOC |
|
4.36% |
|
4.40% |
| $30K home equity loan |
|
6.21% |
|
6.22% |
| $50K home equity loan |
|
5.98% |
|
5.98% |
| $75K home equity loan |
|
5.95% |
|
5.95% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 36 month new car loan |
|
3.92% |
|
3.91% |
| 48 month new car loan |
|
4.05% |
|
4.04% |
| 60 month new car loan |
|
4.21% |
|
4.20% |
| 72 month new car loan |
|
3.31% |
|
3.31% |
| 36 month used car loan |
|
4.87% |
|
4.84% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 6 month CD |
|
0.42% |
|
0.42% |
| 1 yr CD |
|
0.65% |
|
0.66% |
| 5 yr CD |
|
1.38% |
|
1.39% |
| 1 yr IRA CD |
|
0.77% |
|
0.77% |
| 5 yr IRA CD |
|
1.56% |
|
1.59% |
Your College For Financial Plannig Retirement
Retirement Calculator, Inc.collegeforfinancialplanningretirement.com
Your College For Financial Planning Retirement Do you get confused when you look at your retirement plan? Do you sometimes wish that there were a college for financial planning -a place where you could get access to all of the same information that your financial advisor has -that would help you plan for retirement? Do you worry that your financial advisor went to a college for financial planning and retirement savings that only taught him or her tricks for making themselves more money than the people -like you -who they are supposed to be helping out? Even more importantly, are you worried that, no matter what you do, you're never going to have all of the information that you need to plan effectively for your retirement? After all, there is no college for financial planning and retirement. There isn't somewhere that you can go to take a course that will teach you everything that you need to know to ensure that the way that you save and invest will let you reach all of your financial goals. But that doesn't mean that you cannot learn these things. You do not actually need to go to a college for financial planning to get the information that you need. In fact, rather than paying tuition fees to get access to this information at some sort of college for financial planning, you can get access to all of the information that you need at no cost. It may sound too good to be true. You may not be able to believe that it's possible to get all of the information that you need to plan your financial future. But don't let your doubts stop you from clicking the red button at the bottom of this page to download our free retirement calculator. With it you'll be able to:
You'll be able to get access to our research. You'll be able to have access to financial data that's focused on your savings, investments and retirement goals. More importantly with our retirement calculator you won't be left to learn these things on your own. Just as in a setting such as a college for financial planning or retirement, you'll be able to get expert advice. In this case, that advice will come during a free consultation with a retirement counselor. During that consultation you'll be able to ask and get answers for the questions that you have. You'll be able to get expert advice from a financial advisor who will listen to you -not just try to tell you what to do. You'll be able to discuss your financial strategy, develop a plan and set that plan into motion so that you can be sure to reach all of your financial planning and retirement goals. Just because there isn't a college for financial planning and retirement that you can go to does not mean that you need to be kept in the dark. You deserve to have access to all of the information you need to make smart investment decisions. You deserve to reach your financial goals. And you owe it to yourself to take control of your financial plan. So what are you waiting for? Click the red button, download our free retirement calculator and take control of your future. |
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Retirement Knowledge Center
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Do You Know the Answers to These Important Retirement Questions?
- Are you retired or thinking about retiring?
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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.
