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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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- FREE Consultation with a certified financial advisor in your area
| 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% |
Income Planning Goals
Retirement Calculator, Inc.incomeplanninggoals.com
Achieve Your Income Planning Goals Now What are your income planning goals? Do you want to save for the retirement you've always dreamed of? Do you want to have your home paid for? Do you want to be sure that you're making the best investments for your goals? Do you want to be sure that you can make a few withdrawals from your retirement savings along the way without having to worry that you'll end up not having enough money later on? The first step towards achieving all of your financial goals -as well as any of your life goals such as a career change or buying a home or taking a great vacation -is to identify them. More than just identifying them though, you need to flesh them out, to know not only what those goals are but also steps that you can take to help you achieve them. In order to work well with a financial advisor, you need to know what your income planning goals are. The better identified they are, the easier it will be to communicate them to someone else. When you work with a retirement planner or financial advisor, make sure that you look for someone who will understand your individual income planning goals. Not only that, but you should also look for someone with whom you can communicate well. On one level, that means that you need to work with someone who wants to help you reach your goals. On another level, it means that you should work to achieve your financial planning goals with someone who can explain to you what they are trying to do to help you get to where you want to be. Ideally though, you will have the tools you need to understand what your financial advisor is telling you. That means that you'll need to understand the performance of stocks, bonds, and mutual funds. You'll need to understand how inflation and interest rates affect your savings. And you'll need to see what sort of strategy you should be using to achieve your retirement income planning goals -whatever they may be. A lot of people hesitate when they hear that. They think that they'll need to spend countless hours doing research, reading articles, and talking with their stock broker. We don't want you to delay your financial success because you don't want to do the research. We believe in helping you to achieve your financial planning goals and that's why we are encouraging you to download this free retirement calculator. You see, we've done the research for you. All you need to do is add the information about your own savings -whether you have been planning and saving for your retirement for years or are just getting started. From there, you'll be able to see how your investments have performed. You'll see the effects of interest rates and inflation. And then you'll be prepared to work on achieving your retirement income planning goals. We strongly believe that you will be ready to act after evaluating your savings and investments using our retirement planner. In fact, we're so sure of it that -in addition to the free software download -we want to give you a free consultation with a financial advisor who will help you put all that information to use. You'll be able to ask questions and get answers, and you'll be able to put your new investment strategy to work right away. You will quickly make strides towards achieving all of your financial planning goals. But don't just take our word for it. Click the red button now to get started. It's the best step you can take towards identifying and living your financial dreams. |
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Retirement Knowledge Center
Search our extensive retirement knowledge base.Top 100 Articles by Web Traffic:
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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?
- Are you looking for help to achieve your long-term financial goals?
- Would you like to learn more about Annuities, 401's, Life Insurance and Long Term Care?
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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.
