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About Retirement Calculator, Inc.
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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% |
Seek Financial Guidance
Retirement Calculator, Inc.seekfinancialguidance.com
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Seeking Financial Guidance? Start With a Closer Look at Your Savings and Investments
When you seek financial guidance, you want to be sure that the advisor you find is someone who works with people like you. When you seek financial guidance, you want to be sure that you find 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. When you seek financial guidance, it is important for you to know exactly what you are looking for. So, what do you want? Do you want to save to put your kids - or even your grandchildren - through college? Do you want to buy that house on the beach that you have always dreamed of owning? 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? Regardless of what your retirement dreams are - whether you want to be able to live an extravagant lifestyle or you just want to know that you are financially secure - you can find a way to make those dreams a reality. When you seek financial guidance, it is because you want to learn how to make your goals a reality. When you seek financial guidance, you need to be sure that you have the tools that will help you ask the right questions so that you can be sure that your best interests are met. You deserve to have both your present and your future to be financially stable, and that's why you owe it to yourself to click the red button at the bottom of this page to download the free retirement calculator. With it, you will be able to evaluate your investments and your savings and how they will be affected by withdrawals or changes in the economy such as inflation. Even before you seek financial guidance, you need to have the tools to make solid decisions for yourself. That way the financial advisor who you choose to work with will not be able to guide you away from what you know is best for you. Though you are seeking financial guidance, you should not give up control over your retirement planning, your savings and your investments. A financial advisor is someone who is there to help you to get to where you want to be. He or she is someone who should listen to your needs. He or she is there to look out for your best interests. That's why, in addition to the downloaded retirement calculator, you will receive a consultation with a financial advisor. Take the time to look closely at your savings and investment accounts and how they have performed over time. Look at how withdrawing from your savings when the market takes a down turn or how investing in a different stock or mutual fund might affect your ability to achieve your retirement goals. And, while you're doing research using the free retirement calculator, write down all of the questions that come to mind. Then, when you talk with the financial advisor during the consultation or even when you take another step in seeking financial guidance, you will know which questions to ask. You'll be able to get the answers you need about where you should be investing to ensure that your financial retirement goals are achieved. When you are able to ask the important questions you will be better able to develop a plan that will maintain your financial stability. When you click the red button below and download the free retirement calculator, you will be taking the first steps towards your financial security. Seek financial guidance: click the red button to get 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.
