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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% |
Things You Can Learn From A Retirement Planning Club
Retirement Calculator, Inc.retirementplanningclub.com
Things You Can Learn From A Retirement Planning Club Do you sometimes wish that there was a retirement planning club that you could join -a place where you could get together with people who have similar financial planning goals and you could all talk about how things are going? You could talk about your goals. You could talk about your investment strategies. And in a retirement planning club you could learn from one another. You could learn about investments that are likely to pay off. You could also learn a lot more about stocks you may own that you should look at getting rid of -quickly -before you lose money with them. Instead of spending your time looking for a retirement planning club that you could join, you could spend the time researching your own savings and investments. Instead of spending your time working to form a retirement planning club and encouraging others to join, you could spend your time looking at your own financial planning strategy. That is to say, rather than focusing on a retirement planning club, maybe you should focus on your own retirement plan. Rather than learning from others who are, more or less, just trying to figure out their own investments and savings, maybe you should look for a way of getting the information that you actually need to make your retirement planning successful. One way of getting that information is as simple as a click of your mouse. By clicking the red button at the bottom of this page, you can download our free retirement calculator. With our retirement calculator, you can study the ways that your savings and investment accounts have performed over time. You'll also be able to get projections for how your savings accounts and the stocks, bonds and mutual funds that you've invested in will perform over the next 25 years. You'll also be able to see the ways in which changes will affect your retirement income. These changes may be out of your control -changes such as inflation or fluctuating interest rates. Or they may be changes that you make -changes such as making a withdrawal from your retirement savings to pay medical expenses, college tuition or to put a down payment on a new home. But more importantly, they may be changes that you are only thinking about making. With our retirement calculator, you'll be able to look at the way different mutual funds are expected to perform. You can see how the 'hot stocks' may or may not live up to the buzz in the financial world. And after you've had a chance to look at what you have and at the changes that you're thinking of making, you'll have another great opportunity to take your retirement planning to the next level: you'll be able to discuss your strategies during a free consultation with a financial advisor. You'll be able to ask the questions you have. You'll get answers and advice for putting your retirement plan into action. Why rely on a financial planning club when you can get free expert advice -and see how your savings and investments will perform without the risk of choosing the wrong stock or mutual fund for you? Take the time to download and use our free retirement calculator -just click the red button to get started. |
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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.
