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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% |
It's Time to Start My Retirement Career
Retirement Calculator, Inc.myretirementcareer.com
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More and more, people are retiring later in their lives. Whether it's because of the ever-increasing cost of living or it's because of fears that Social Security and personal savings won't be enough to keep them living comfortably once retired, more and more people are staying in the work force longer. Sometimes, though, it's not about making money. Sometimes, the reason that people continue to work after they are able to retire is that they don't want to be home doing nothing. Regardless of why, more and more people have considered a retirement career. Have you asked yourself, 'What would my retirement career be?' Do you know what you want to do? Could you honestly say that you want to plan to have a retirement career? We think that the only career goal most people want to have once they retire is, well, to be retired. So how do you create a retirement career in which you do not need to work? The best answer that we know how to give you is this: Plan carefully and invest wisely. How can careful planning and wise investing ensure that you can have the retirement career that you want? Easy: Making the best possible investments and saving well can help to ensure that you can do whatever you want to do with your retirement. Careful planning for your retirement is easy when you have the right tools. You need to be able to determine how the stocks, bonds, and mutual funds that you invest in have performed in the past. You need to seriously look at inflation as well as interest rates. You also need to be able to see how any withdrawals you make from your savings when you need money along the way will affect your retirement finances. It probably seems like that is going to take a lot of time and effort. It would if you had to do all of the work yourself. But here's the good news: You don't. Rather than doing all of the research and projections on your own, you can download this free retirement calculator by clicking the red button below. The software that you'll get when you download the retirement calculator will amaze you. You'll find that it's much easier to evaluate your savings and investments than you had ever believed possible. By entering in simple values, like the amount you have saved and the amounts you have invested, you'll be able to look critically at your retirement savings to ensure that you will have the freedom you deserve when you retire. Not only does the retirement calculator evaluate the way that your investments have performed in the past but it also takes into consideration inflation and interest rates. Even more valuable is that with the retirement calculator you will be able to see how changing investment strategies will affect your savings (and along with your savings, your ability to determine your retirement career). But the most important feature about this retirement calculator is that you are never left to do all of the work yourself. If you have questions about the software itself, customer service is instantly available online to answer them. If you have questions about implementing a new strategy that will ensure that you will meet all of your retirement goals, you'll be able to ask them of a professional financial advisor, someone who will contact you at no charge just to make sure that you are doing all that you can to get the retirement you've always hoped for. When you began to plan your working career, you took the right steps. You went to school and got a degree then you studied hard and learned the skills that you needed to get to where you wanted to be. Now is the chance to plan as well for your retirement career. Do yourself a huge favor and begin mapping out your retirement success today. Click the red button to get started. You'll be glad you did. |
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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.
