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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 |
|
4.34% |
|
4.50% |
| 15 yr fixed mtg |
|
3.86% |
|
3.93% |
| 5/1 ARM |
|
3.39% |
|
3.40% |
| 30 yr fixed jumbo mtg |
|
5.48% |
|
5.34% |
| 5/1 jumbo ARM |
|
4.17% |
|
4.07% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| $30K HELOC |
|
5.07% |
|
5.06% |
| $50K HELOC |
|
4.81% |
|
4.81% |
| $30K home equity loan |
|
7.50% |
|
7.53% |
| $50K home equity loan |
|
7.42% |
|
7.46% |
| $75K home equity loan |
|
7.44% |
|
7.48% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 36 month new car loan |
|
6.08% |
|
6.08% |
| 48 month new car loan |
|
6.16% |
|
6.16% |
| 60 month new car loan |
|
6.21% |
|
6.22% |
| 72 month new car loan |
|
4.23% |
|
4.23% |
| 36 month used car loan |
|
6.48% |
|
6.47% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 6 month CD |
|
0.79% |
|
0.77% |
| 1 yr CD |
|
1.11% |
|
1.09% |
| 5 yr CD |
|
2.30% |
|
2.33% |
| 1 yr IRA CD |
|
1.01% |
|
0.90% |
| 5 yr IRA CD |
|
2.27% |
|
2.29% |
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Retirement Calculator, Inc.financialplanningretirementplanner.com
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What does your dream retirement look like? Do you see yourself traveling the world, visiting all the continents, all the countries in Europe, or all of the tropical locations you can imagine? Do you see yourself in a home that is paid for, with everything you could possibly need to entertain the grandkids? Do you want to remain active as long as you can and still be sure that you can cover any unexpected expenses? Our retirement planners think that the best retirement is the one that you dream of. We believe that you are entitled to the retirement that you see for yourself, regardless of what it is that you see. Travel, a gorgeous home, and taking care of your family are all very important. Knowing that you'll be able to afford the things that you want and that you still will have the money saved to pay for the unexpected is the goal of most financial planning. With financial planning for your retirement, we want to help you to plan for your retirement, to help ensure that you will have the money that you need, so that you don't have to worry about what might happen. But that isn't to say that we think you need to save every cent that you have now in the process. It's no fun to resent your dreams because you can't live them in the now. We don't want your dreams to be something that you're always striving for, something that always seems to be just beyond your grasp. Our retirement planners want you to be able to live your dreams now. We want to show you that with financial planning it really is possible to live your life and still achieve your goals. And we think that you'll agree that we can help you get to a place where that really is possible for you. But before you can agree with us, you need to download a great financial planning tool, our retirement calculator. Don't worry, it's free. Like we said, we want to help you plan for the retirement you want. We want to help you live your dreams. We don't want to do anything that keeps you from being able to do that , and that means that we are not going to rip you off. We just want you to click the red button below to download our free retirement calculator. We want you to see how different investments will perform based on how they have performed up until this point. We want you to see how inflation and interest rates will affect your savings. But most importantly, we want you to use the retirement planning calculator to evaluate how much of your retirement savings you can use right now to make your life better. And, not only do we want to give you this valuable tool, we want to be sure that we can help you even more by giving you a free consultation with a financial advisor. That's right; we want you to be able to get answers to all of your questions with a professional retirement planner. We want you to succeed. Our financial planners know that all you need to do to start making your dreams come true is to take the first step. And that first step is so very simple. Get started right now. Just click the red button to begin. |
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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.
