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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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Retirement Intelligence Information Services
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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% |
A Sure Way Of Avoiding The Dreaded Retirement Job Search
Retirement Calculator, Inc.retirementjobsearch.com
A Sure Way Of Avoiding The Dreaded Retirement Job Search Are you afraid that, no matter how well you invest, at some point in the future you'll need to perform a retirement job search because you won't have the money that you need to retire? Does the idea make you nervous? Think about it. When you do a retirement job search, you may have been out of the work force for a few years. That will make it more challenging to write a great resume and you'll need to explain the gap on your resume between your last job and the interview. When you conduct a retirement job search, you'll find that you need to explain why you aren't just staying retired. Do you feel as though you would be comfortable doing that? Unfortunately, more and more people are finding themselves performing a retirement job search. People are finding that they did not plan as well for their retirement as they had thought that they had. They're finding that the investments that they made did not perform in the way that their financial advisors had told them that they would. Not only that, but Social Security is underfunded. The government has told companies that it's okay to get rid of pension plans. The cost of living is always increasing. If you aren't careful, you could become one of the many people forced to perform a retirement job search. You could find that you don't have the money for regular expenses, let alone to live to retirement dreams that you've had: Travel, relaxation, helping your grandchildren through college. You don't want that to happen. You're willing to do whatever you need to do to keep from having to re-enter the work force and perform a retirement job search. That's going to mean a lot of time doing research into the investments you've made. You're going to have to understand how stocks, bonds and mutual funds have performed over time. You're going to need to understand interest rates. You'll need to understand inflation. And you're going to need to look at how the investments you've made are going to perform in the future. Not only that, but you're going to need a way to understand how different strategies could be more or less successful for you. That's why you need access to the best research available. That's why you need to find a way to take advantage of the time and effort that others have already put into gathering this information. And that's why you need to download our free retirement calculator. With this retirement calculator you'll be able to study the way your investments have done in the past and project how they will do in the future. You'll be able to evaluate interest and inflation trends and even try out different investment strategies - without the risk of your plan failing and leaving your savings in a worse condition than they would have been if you hadn't made the change. Not only will you be getting a valuable tool that will help you evaluate your investment strategy, but you will also receive a free one-on-one consultation with a retirement counselor. This conversation with a financial advisor who has your best interest in mind will get your questions answered and help you to put your plan into action. By investing well and planning ahead you'll be able to secure your financial future. Click the red button below to make your retirement plan the best it can be. That way, if you perform a retirement job search, it will be because you want to, not because you have to. |
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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?
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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.
