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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
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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% |
Retire Well With Retirement Investment Consulting
Retirement Calculator, Inc.retirementinvestmentconsulting.com
Retire Well With Retirement Investment Consulting Are you looking for ways to improve your financial planning strategies? Many people are, and that's the reason that they look into retirement investing consulting. They're seeking advice. They're seeking answers to their questions. What information does retirement investment consulting provide? It gives you the chance to talk with a professional financial analyst who can talk with you about different investment strategies. Retirement investment consulting can provide you with information about which stocks, bonds and mutual funds are expected to bring the best returns. It can also provide you with information on annuity accounts, individual retirement accounts and certificates of deposit. There are merits to many different types of investment plans and you can learn a lot about them while receiving retirement investment consulting. But regardless of the quality of information that you are given, there is a need for you to do your own research. You need to understand the stocks, bonds and mutual funds that you yourself invest in. You need to understand both how they have performed and how they are projected to perform over time. Part of understanding those projections is a knowledge of how interest and inflation rates impact your savings and investments over time. To get this information, you can spend time researching. You can read financial papers and study investment reports. You can take the advice of stock analysts when they tell you to buy, or you can choose to ignore the advice that other analysts offer when they tell you not to buy. The key to developing a strong investment strategy is to understand what you want your investments to do for you. You need to understand your retirement goals, and you need to know how much risk you are willing to put in to getting the returns that you need from your investments. But how do you form this strategy? How do you figure out which investments you have that will work and which ones won't? One way is to download our free retirement calculator. With it, you can see how the investments you have now have performed over time. You can analyze the ways in which your stocks, bonds and mutual funds are projected to perform over time. But more importantly, you'll be able to use the free retirement calculator to determine whether or not changes that you make to your investment strategy will benefit or harm you in the long term. You'll be able to see how other investments would carry you - whether or not they would perform better than the investments that you've already made. Just because you look at these scenarios and come to understand your own investments, it does not mean that you are left on your own. Because there will be questions that come up, we want to make retirement investment consulting available to you. We want you to look at your investments and investment strategy and then talk about it with a qualified professional who will listen to you and help you put your own plan into action. When you download our free retirement calculator, you will be contacted for a free consultation with one of our retirement consultants. We understand that retirement investment consulting is important; we just know that it is also important for you to understand your investments for yourself. See for yourself how much easier it is to invest wisely; click the red button to get started with the free retirement calculator and retirement investment consultation. |
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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.
