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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% |
Income Planning Goal
Retirement Calculator, Inc.incomeplanninggoal.com
If someone asked you what your top retirement income planning goal is, what would you tell them? Would you want to see the world? Would you want to be able to buy an oceanfront property with a gorgeous view? Would your top priority remain caring for your family and having the money to help them when needed? Or would you just hope to set aside enough money that you never ran out of cash as long as you needed it? Regardless of what your income planning goal is, we want to help you reach it. We know the importance of the dream, we have our dreams too. We want to be able to live the lives we are used to living without worrying about not having the money. We want financial security, for ourselves and for our families. But our biggest goal right now is helping you to plan your retirement income, to reach your income planning goal, so that you have that security. We spent a lot of time thinking about what we could do to help you reach your financial planning goal, whatever your priority is. And what did we realize that we could do that would benefit you the most? We realized that we could help you reach your income planning goal by giving you the tools that you need to make your own dreams a reality. Then we spent a little bit of time trying to figure out what that would look like, and what we came up with is a free retirement calculator. Now, we're not talking about a desk calculator where you do basic math quickly. We're talking about a powerful software program that gives you all the information that you need to reach your retirement income planning goal. What kinds of information will you get? To start with, you'll have information about how stocks, bonds, and mutual funds have performed throughout the last 50 years. You'll also get information about interest rates and inflation values to help you analyze your plans for financial security. Perhaps even more valuable than those things, you'll get access to a tool that will help you determine how different withdrawals you might make from your savings will affect your future. With all of that information, you'll be in a position to analyze your investment strategy. You might start to wonder if there is a better way to plan to reach your retirement planning goal. And, with the free retirement calculator that you can download by clicking the red button below, you'll be able to explore different strategies without the risk. How? You can use the retirement calculator to explore different what-if scenarios. Because we really do want you to reach your specific income planning goal, once you have the information that you need, we're going to give you some help to put your new plan into motion. Once you've had the chance to use the free retirement calculator, you'll be contacted by a financial advisor for a free retirement planning consultation. You'll get to talk with an expert who will help you to take your new knowledge and use it to build your financial success. With the right tools and the right plan, your income planning goal, whatever it may be, is easily attainable. Let us prove it to you: Click the red button below to get started now. |
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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.
