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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 |
|
3.80% |
|
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% |
Develop Your Retirement Planning Consulting Plan Today
Retirement Calculator, Inc.retirementplanningconsulting.com
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Retirement planning consulting is something that you can find in a number of ways. You can look for information on the Internet, in your local newspaper, in financial magazines or you can ask your financial advisor for his or her opinion. But even with retirement planning consulting there's a lot of information that you will need to sort through. You'll still need to evaluate your own financial planning goals. Even with retirement planning consulting you'll need to understand your own financial planning strategy. You'll need to understand how stocks, bonds and mutual funds work and how they have performed over time. Though with retirement planning consulting you'll be able to get projections about how different investments will perform, you'll still need to understand interest rates and inflation and how they affect the savings that you have when you retire. In fact, when you get retirement planning consulting, you'll likely hear about different investment strategies. You'll need to have some flexibility, but you also need to have an idea about what will and what won't work for you. You'll need to have identified your financial goals and what you want to do during your retirement. You'll need to know how much money you have that you can save and invest now. You'll also need to know how a withdrawal you make from your retirement savings for something you need to pay for now will affect the income you have after you retire. Maybe you're thinking that the reason you've looked for retirement planning consulting is that you want to have access to all of this information. Maybe you're wondering why anyone would seek out financial planning consulting if there's still so much that you will need to know and understand. The reason why you need the information before you get retirement planning consulting is a simple one. How else will you know that the advice that you are getting will really work for you? By understanding your investments and your goals, you are more likely to get information that you can use when you speak with a financial advisor. We want to prove that to you. That's why we encourage you to download our free retirement calculator. Use it to analyze the investments you have or even the investments that you want to make. Look at performance projections. Consider the ways in which you could change your investment strategy that would make achieving your retirement goals easier. And then take advantage of a free consultation with one of our financial analysts. That's right: When you download our free retirement calculator, you also get access to free retirement planning consulting from one of our retirement experts. We want you to see for yourself the benefits of understanding your investment strategy before you receive retirement planning consulting. We want you to see for yourself the ways in which your investments have and will continue to perform. We want you to see the benefits of changing your financial plan for yourself. And then we want to give you the retirement counseling that you need to put your plans into action so that you can be sure that all of your retirement goals are achieved. Take control of your future. Understand your investments and your savings strategy. Then talk with a professional who will help you make sure that you make the best investments for reaching your goals. Get started by clicking the red button to download our retirement calculator now. |
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Retirement Knowledge Center
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- 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.
