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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% |
Get Your Retirement On Track
Retirement Calculator, Inc.retirementontrack.com
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Is your retirement on track? Are you sure that you'll have the money that you need when you retire? Do you know whether or not you'll be able to have the retirement you've always dreamed of? Whether your dreams for retirement involve traveling to exotic locations, being able to help put your grandchildren through college or just knowing that you are financially secure even if there is an unexpected crisis that needs to be paid for, there's no time like the present to get your retirement on track. To get your retirement on track, you need to understand what you want out of your retirement. You need to take the time to understand your dreams and your goals, and you need to have a realistic sense of how much money you'll need to achieve those goals. Once you have an idea of how much money that you will need to set aside to keep your retirement on track, you'll need to start planning the right way to save and invest to get there. You'll need to understand stocks, bonds and mutual funds and how they have performed over time and how they will continue to perform in the future. You'll need to analyze your own investments to keep your retirement on track, and sometimes that will mean that you need to change your investment strategy. Because of that, you'll need a way of understanding which strategies will work and which won't. You will also need to understand how interest rates and inflation will affect your savings. You'll find that ther's a lot that goes into getting, and keeping, your retirement on track. But just because there are many things to consider does not mean that you need to spend countless hours slaving over research. We've done the research for you, and put it into an easy-to-use retirement calculator that you can download for free by clicking the red button at the bottom of this page. A simple download and you'll be on your way to getting and keeping your retirement on track. You'll be able to easily look at the way different investments have performed over time. You'll be able to look at projections for how your investments will perform over the next 25 years and how interest and inflation will get you there. But even more importantly, you'll be able to explore other strategies using the retirement calculator. You'll be able to look at the ways other investments might be able to work to ensure that you get and keep your retirement on track even faster than those that you use now. And because sometimes you need a little bit of encouragement, a sense that someone else believes that you have your investing and saving plans in order to keep your retirement on track, we've also arranged for you to have a one-on-one consultation with a retirement counselor - a professional financial advisor who will answer your questions and help you invest wisely. By using this free retirement calculator, you'll be able to analyze your savings to see whether or not your retirement is on track. You'll be able to determine whether you can get where you want to be even faster. And, if you find that you aren't where you want to be and that you don't have your retirement on track, you'll be able to take control. It's important to recognize your goals and work to achieve them. Are you keeping your retirement on track? Find out now - just click the red button below to begin. |
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Retirement Knowledge Center
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- Are you retired or thinking about retiring?
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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.
