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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 |
|
4.38% |
|
4.35% |
| 15 yr fixed mtg |
|
3.86% |
|
3.85% |
| 5/1 ARM |
|
3.38% |
|
3.41% |
| 30 yr fixed jumbo mtg |
|
5.35% |
|
5.51% |
| 5/1 jumbo ARM |
|
3.96% |
|
4.23% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| $30K HELOC |
|
5.05% |
|
5.06% |
| $50K HELOC |
|
4.79% |
|
4.81% |
| $30K home equity loan |
|
7.48% |
|
7.51% |
| $50K home equity loan |
|
7.37% |
|
7.42% |
| $75K home equity loan |
|
7.40% |
|
7.44% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 36 month new car loan |
|
6.09% |
|
6.07% |
| 48 month new car loan |
|
6.17% |
|
6.15% |
| 60 month new car loan |
|
6.22% |
|
6.21% |
| 72 month new car loan |
|
4.23% |
|
4.23% |
| 36 month used car loan |
|
6.49% |
|
6.47% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 6 month CD |
|
0.79% |
|
0.76% |
| 1 yr CD |
|
1.11% |
|
1.08% |
| 5 yr CD |
|
2.30% |
|
2.32% |
| 1 yr IRA CD |
|
1.02% |
|
0.90% |
| 5 yr IRA CD |
|
2.26% |
|
2.29% |
Why Choosing A Financial Advisor is in Your Best Interests
Retirement Calculator, Inc.choosingafinancialadvisor.com
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When you start to look for a financial advisor, you want to be sure that you are going to get someone who works with people like you. You want someone who listens to your needs and concerns. You want to find someone who will be honest and will look out for your best interests. Part of finding the right financial advisor for you is to know exactly what you want. So, what do you want? Do you want to save to put your kids through college? Do you want to buy a house on the beach? Do you want to travel the world? Or do you just want to be sure that you can save for a comfortable, financially stable retirement? Or maybe, just maybe, you want to be able to live a full and rich life and not worry that your lifestyle will disappear when you retire. We want to help you to learn how to make your goals a reality, whether they include choosing a financial advisor or regardless of what those goals may be. We also want to be sure that you have the tools that you need in order to ensure that you ask the right questions when choosing a financial advisor, and to make sure that your best interests are met. We want your present and your future to be stable, and that's why we believe choosing a financial advisor is the second best thing, next to using our free retirement calculator. It lets you evaluate your investments and your savings and how they will be affected by withdrawals or changes in the economy such as inflation. Our staff want to give you the tools to make solid decisions for yourself so that your financial advisor will be better able to guide you toward what you know is best for you. We want you to be in control of choosing a financial advisor, your retirement planning, your savings, and your investments. A financial advisor is someone who should help you get to where you want to be. He or she should listen to your needs. He or she should look out for your best interests. That's why, in addition to the retirement calculator, we help you in choosing a financial advisor by offering you a consultation with a financial advisor. Take the time to look at your investments and the history of how they have performed. Look at how withdrawing from your savings when the market takes a downturn might affect you. And, while you're doing research using our free retirement calculator, write down all of the questions that come to mind. Then, when you talk with the financial advisor, you will know which questions to ask. You'll be able to get great advice about where you should invest to ensure that your goals are achieved. You'll be able to ask important questions and develop a plan that will maintain your financial stability. When you download the free retirement calculator, you'll be taking the first steps towards achieving financial security, both for now and for your future, and, during the process of choosing a financial advisor, you'll move yourself forward yet again. Click the red button to get started. Download the software. Talk to a financial advisor. Live the life you want. All you need to do to ensure that you have a stable financial future is to plan. Our calculator will help you plan effectively. Click the red button and get started right away. You'll be glad you did. |
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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?
- Do you have enough money to comfortably live throughout your retirement years?
- Would you like FREE face to face advice or retirement consulting from a trusted local financial advisor?
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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.
