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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% |
Join The Ranks Of Women In Retirement
Retirement Calculator, Inc.womenretirement.com
| Join The Ranks Of Women In
Retirement
When it comes to women and retirement, some people have concerns. Often times, at least in the past, women have not been the ones out in the workplace. As a result, many women haven't had their own retirement accounts -they've relied on shared accounts with their husbands. But these days, now that more women are working -and some are even the primary breadwinner in the family -more and more women are planning for retirement. Some women are concerned that their financial advisors might take advantage of them. Some are worried that they just don't know how to set money aside for retirement when the kids need new clothes and there needs to be food on the table. Regardless of the reasons that are standing in the way, women need to take planning for their retirements more seriously. If they are concerned that they will be talked down to by male financial advisors, then they need to work with women who are in the field. If they are worried that they are not making the best investments possible, they need to talk with someone who can help them make better plans. And, ultimately, women who are planning for their retirement -women who are saving and investing in their own futures and the future of their families- need to make an effort to understand the way that they are planning for their retirement. More likely than not, women who are planning for retirement are already extremely busy. Between work and their family and being with friends and just relaxing, many women don't feel that they have the time to research their savings and investments. But being aware of her financial plan is not something that should take any woman a long time to do. In fact, it's as simple as downloading our free retirement calculator by clicking the red button at the bottom of this page. Though our retirement calculator is offered free of charge, it is a powerful resource for learning about savings and investment accounts. With this calculator, women -and men- can look at their savings and investment accounts to see how those accounts have performed over time. They can look at projections for how those accounts are expected to perform in the future. Women and men will be able to use our free retirement calculator to determine how changing interest rates and inflation will affect their retirement income. Women and men can investigate the ways that changes made to their retirement investment strategies will affect their income in the future. But more importantly, our retirement calculator can be used as a tool for determining how withdrawals from retirement savings will affect income, both now and after retirement. Think about it: If money is needed for college tuition, with our retirement calculator it can be determined whether or not drawing it from retirement savings is a good idea. Women: Doesn't that sound good to you? Do you see how using our retirement calculator can benefit you? You can control your savings. You can control your investments. And you can even determine whether or not you'll be able to withdraw money from your retirement savings if the time comes and you need more money to pay your child's college tuition. With our free retirement calculator, you can have the best of both worlds: You can save and invest in your retirement for yourself. You can get accurate information without worrying that someone is trying to take advantage of you. You can save for your retirement and not have to worry about what will happen if you don't have the money for your child's tuition because you will be able to plan accordingly. Imagine the weight that can be taken off your shoulders when you are in control of your financial planning. Now click the red button to download our free retirement calculator, because you don't have to settle for imagining how controlling your retirement savings will feel -you can take that control for yourself. |
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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?
- Would you like FREE face to face advice or retirement consulting from a trusted local financial advisor?
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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.
