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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% |
Do You Have Retirement Confidence?
Colleen Mulder-Seward, MBARetirement Calculator, Inc.
retirementconfidence.com
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How would you rate your level of retirement confidence? Do you believe that you'll have all of the savings that you need for living expenses and having fun? Do you worry that, even if you save every spare penny that you have, you'll still come up short and struggle to survive? You're not alone. Many of us lack the confidence to believe that even our best efforts will be enough to ensure that we'll have the retirement we dream of. Despite the stories we hear on the news about the stock market thriving, we also hear a lot about people waiting longer and longer before they retire. We hear about people who, just to pay for their medications and housing expenses, return to the workforce at least part time. All of those stories make us uncomfortable. They also reduce our retirement confidence. They leave us unsettled and full of questions and doubt. But there is something that you can do to improve your retirement confidence: You can make yourself more aware. You can understand your investments , how your stocks, bonds and mutual funds can work for you. You can learn to understand inflation and interest rates as they pertain to your retirement savings. You can even explore how much of your savings you can use now without the risk of not having enough income when you retire. That's right. You can do simple research that will allow you to boost your retirement confidence in ways that you never thought possible. And, yes, we did say that it was simple. All that you need to do is download our free retirement calculator. From there, enter information about your savings and investments. The calculator will then provide you with the information you need to see whether you're on the right track or if the fears you have about your retirement are justified. If your fears are something that you should take seriously, don't panic. We aren't trying to tear down the retirement confidence you do have, we want to work with you to build your retirement confidence to a level that you didn't believe possible. In order to boost your retirement confidence , whether you're heading in the right direction or you've found out that you have a lot of work to do , we'll be there. Along with the free retirement calculator, you'll receive a free consultation with a financial advisor. During this consultation, you'll be able to ask questions. You'll be able to get free advice from a retirement planner who can help you to choose an investment strategy that will work for you. With our retirement calculator and the free consultation with a financial advisor, you'll be able to evaluate where you are. You'll also gain the confidence that you need to achieve a financially successful retirement. Take the first step towards retirement confidence right now by clicking the red button below to download the free retirement calculator. Understand your savings and investments, learn what changes will benefit you and then talk , for free , with a financial advisor to figure out how to make those changes happen. We're confident that you can save and invest wisely to have the retirement you've dreamed of. You owe it to yourself to have that same retirement confidence. |
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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?
- Do you have enough money to comfortably live throughout your retirement years?
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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.
