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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% |
Make Your Long Term Care Company Trustworthy
Retirement Calculator, Inc.yourlongtermcarecompany.com
Do you feel comfortable with your long term care company? Do you trust that the investment that you've put in while paying for your policy has been worthwhile? Do you believe that your long term care company will follow through with their end of the bargain? And even if you trust that your long term care company will provide the services they've promised if you need them, are you comfortable continuing to pay premiums on the policy with them when you could be using that money for other investments - investments that might make your retirement more financially comfortable. Let's face it: The money that you pay to your long term care company has one goal - to finance the long term care that you may or may not need. In contrast, it's possible to plan for your retirement with that money and to then have it for whatever you need it for. Are you aware that you can withdraw money from your retirement savings accounts to cover other expenses? If you need to, you can withdraw funds from your retirement savings to put a down payment on a new home, to finance your child's education or to cover short or long term medical care costs. You may be aware of this. But your long term care company might not want you to be. Why? Because there is less of a chance that you'll continue funding your policy with them if you are aware that, with financial planning, you'll be able to accomplish far more - and still have the peace of mind that you can afford the costs of long term care. How can you be sure that you are on top of your financial planning so that it is safe to break the connection with your long term care company? One way is to really understand your retirement goals. When you know what your goals are - whether they involve travel, spoiling the grandkids or covering medical expenses - you're better able to achieve them. You can look more closely at your savings and investments and use them more wisely. Your financial advisor can help you with this or you can find ways of doing it on your own. One of those ways is to click the red button at the bottom of this page to download our free retirement calculator. When you do, you'll be able to analyze your savings and investments more efficiently than ever before. You'll be able to get accurate information about how your investments have performed over time and get projections about how they will continue to perform over the next 25 years. Even better, those projections will take the affects of inflation and interest rates into account. Once you have an idea about how well your investments have and will work for you, you'll be able to explore the ways in which changing your financial strategy will affect your retirement income. Explore a different mutual fund's performance or different stocks and see whether they would add or remove value from your portfolio; study the lasting affects of making a withdrawal from your retirement savings. But know that you are in control of shaping your financial future. Get the support that you need from a financial advisor who will listen to your needs and goals and work with you to achieve them. Because we know that these retirement counselor's can sometimes be hard to find, when you download our free retirement calculator you will receive a free consultation with a financial advisor. You can use that consultation to get advice and have your questions answered. You can use it to get reassurance that you're making the right decisions or the guidance you need to get on the right path. But in order to use it and take advantage of all that it has to offer, you need to click the red button to get the process started. |
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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?
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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.
