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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% |
Start Lovin Retirement Today
Retirement Calculator, Inc.lovinretirement.com
Do you want to make sure that you'll be lovin' retirement? We want to help. Regardless of your goals, we know that you deserve the retirement you've always dreamed of. We share your dreams of lovin' retirement. We know you want to be able to travel, to make sure that your children and grandchildren get a great college education that will help them to be successful, to be able to have a great home and, most importantly, to not run out of money. With the rising prices of gasoline, groceries, and just about everything else these days, people have a greater fear of not having money and not lovin' retirement when it comes around. But we know that there are steps that you can take to ensure that the money you need will be there when you need it. And we know too that sometimes, during the time between now and when you retire, you might need some extra cash in your pocket. We also know that it will be more challenging for you to be lovin' retirement if you're trying to pay off high interest credit cards and other loans. That's why we wanted to find a way for you to be able to use some of the money you're using to save for your retirement when you need it. But if you use that money now, you're probably wondering, isn't there a chance that you'll run out of money later? We want to assure you that if you plan well, you'll still have all of the money that you need after you retire, even if you withdraw money now for vacations or home renovations, and then you'll really be lovin' retirement. Interested? We hope so, but just to make sure, we want to tell you a little bit more about the retirement calculator that we hope you'll download for free. That's right: Our retirement calculator is free for you to download because we want you to be sure that you'll be lovin' retirement. Imagine yourself using a tool that studies how stocks, bonds, and mutual funds have performed over time, a tool that has done all of the research for you. Think about how valuable it would be to know how interest and inflation rates will affect your retirement investments and savings. And we know you'll see the value in that. We also know that we promised you a way to use some of your savings now as a way of being even more financially secure later. The best feature of our retirement calculator, the feature that ensures that you will be lovin' retirement with all of the cash that you need, is the tool that analyzes withdrawals from your savings. Before you make a withdrawal, you'll be able to take a look at how it will affect your retirement savings. Just enter your information into the calculator and use one of the 'what if' tools to get results. The retirement calculator will analyze your savings and show you the effects of the withdrawal; and the answers you get will be based on what a withdrawal would do to your savings if made at the beginning of a market downturn. But as valuable as all of that information is, what happens if you get results you don't like when you use our retirement calculator? Will you be doomed to a retirement that you won't love at all? There is no chance of that, none at all. How can we be so sure? Because we want so much for you to be lovin' your retirement that, when you download the free retirement calculator by clicking the red button below, we will make sure that you are contacted by a professional financial advisor who is an expert at retirement planning. During that FREE consultation, you'll be able to ask questions and get advice that will ensure that you'll be lovin your retirement. So don't wait any longer! Click the red button to get started right away. You'll be glad that you did! |
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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.
