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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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Retirement Intelligence Information Services
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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% |
Brace Yourself For Financial Planning Webinars
Retirement Calculator, Inc.financialplanningwebinars.com
So you've decided to sign up for a financial planning webinar. Congratulations! You've taken a great big step towards planning for your future. You'll get all sorts of tips about budgeting, paying off credit card debt, and, most importantly, saving for the retirement of your dreams. There's going to be a lot of information that comes at you, so we want to be sure that you're ready for your financial planning webinars. We know that you're thinking about your future, but we don't want to overwhelm you with too much information all at once. That's why we want to give you a head start on the other financial planning webinar participants. We want to give you an amazing and powerful tool absolutely free, because we want you to succeed. What's this tool? It's the retirement calculator that provides access to the research behind many financial planning webinars, and you're going to be amazed when you check it out. Once you start using it, you'll realize that you can see how stocks, bonds, and mutual funds have performed throughout time. That means you'll be able to get a feel for how you want to invest. There are risks and benefits to all investments, and we want you to see firsthand the benefits of living on the edge and of playing it safe. Not sure how you want to go with it yet? That's no problem. The retirement calculator lets you explore possibilities with hypothetical financial planning. It has features that let you look at any what-if that crosses your mind. What if you only invest in bonds? What if you only look into technology stocks? What is the best way to diversify? Regardless of your scenario, our retirement calculator will let you see how your investments will be affected by it. And that will help you to find the financial planning strategy that will work best for you , all while looking at how inflation and interest values will affect your savings. And then, once you know a bit more about how you want to save, you'll be put in touch, again for free, with a financial advisor who specializes in retirement planning. That's right, by clicking the red button below, you'll not only be able to see how different investment strategies will work for you but also you'll be put in touch with someone who can help you to put your investing plans into action. The biggest advantage of this consultation with a financial advisor is that you will understand what they are saying to you. You'll have the information about savings. You'll know more about what kind of investing is best for you, which type of investment strategy will get you to your goals in the best possible way. Basically, it comes down to this; You click the red button to download the free software. You gather information from it and from the financial planning webinar. Your talk with a professional whose job it is to help you save for the retirement you've dreamed of without having to give up anything along the way. So, take the time right now to get started investing in your future. Just click the red button to get started with reaching all of your financial planning goals. |
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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.
