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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
- FREE Retirement EBook written by Bill Losey, America’s Retirement Strategist
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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% |
Prod Your Annuity Company With This Tool
Retirement Calculator, Inc.yourannuitycompany.com
Do you think that you could get a better annual income than the one you're getting from your annuity company? Do you wonder if having the account you have with your annuity company is more beneficial or more harmful to your financial security? If you have your doubts, you're not alone. Many people have concerns - not just with your annuity company, of course, but with others as well. The more that negative stories come out on the news about people being forced to find employment to supplement their retirement income, the more that there are reports about the underfunding of Social Security, the more people are feeling like they need to know more about their financial security. In order to know how your financial future will look, you will need to know whether or not your savings and investments are being made the right way. Your annuity company will tell you that your account with them is exactly what you need, but you may want to do more research to know for sure. Yes, you chose your annuity company because you liked what they promised you. Being able to have a check sent to you each year while the foundation of your money stays safe is convenient. You can use that money to pay off other debts, make necessary purchases or just take the time to get away. But did you know that you can do this with other forms of retirement savings as well? Did you know that it's possible to make withdrawals from your retirement savings and to still have all of the income that you need once you retire? We hope that you knew, but - whether you did or not - you know now. And now you have the opportunity to look at your savings and investments carefully to determine whether or not the promises your annuity company made will hold up over time. You'll be able to do that when you download our free retirement calculator by clicking the red button at the bottom of this page. You'll be able to use it to look at all of your retirement savings and investments. You'll be able to use it to see how your savings and investments have performed over time. Even more importantly, you'll be able to see how your stocks, bonds, mutual funds and savings are projected to perform over the next 25 years (and the values of those projections will reflect the effects that interest rates and inflation will have on your savings and investments). But beyond that, you'll be able to look at the ways in which changes to your savings and investments will affect your retirement income. You'll be able to look at the ways in which different stocks will raise or lower the value of your portfolio. And, instead of relying on your annuity company to determine how much money from your savings you are able to use each year, you'll be able to use the free retirement calculator to see for yourself the way withdrawals you make from your retirement savings - whether one time or once a year - will affect you later on. Not sure that you can trust what you see when you use our retirement calculator? You'll be able to address your doubts and concerns and get answers to your questions during a free consultation with a financial advisor. Make changes to your investment strategy, turn it into a financial plan and learn what steps you need to take to put that plan into action. Determine whether or not you really can trust your annuity company. Build your best future. Get started now by clicking the red button to download the retirement calculator and take control of your retirement income. |
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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?
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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.
