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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
Retirement Calculator, Inc. has been exposed live in New York on CBS The Saturday Early Show for its flagship product the Retirement Calculator and recommended by Ray Martin the top financial analyst for CBS News.Watch the video clip
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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
- FREE Retirement EBook written by Bill Losey, America’s Retirement Strategist
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- FREE Consultation with a certified financial advisor in your area
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 30 yr fixed mtg |
|
3.87% |
|
3.95% |
| 15 yr fixed mtg |
|
3.19% |
|
3.27% |
| 5/1 ARM |
|
2.86% |
|
2.90% |
| 30 yr fixed jumbo mtg |
|
4.40% |
|
4.51% |
| 5/1 jumbo ARM |
|
3.02% |
|
3.14% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| $30K HELOC |
|
4.72% |
|
4.81% |
| $50K HELOC |
|
4.33% |
|
4.40% |
| $30K home equity loan |
|
6.03% |
|
6.22% |
| $50K home equity loan |
|
5.73% |
|
5.98% |
| $75K home equity loan |
|
5.71% |
|
5.95% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 36 month new car loan |
|
3.54% |
|
3.90% |
| 48 month new car loan |
|
3.65% |
|
4.03% |
| 60 month new car loan |
|
3.79% |
|
4.21% |
| 72 month new car loan |
|
3.31% |
|
3.31% |
| 36 month used car loan |
|
4.87% |
|
4.85% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 6 month CD |
|
0.42% |
|
0.42% |
| 1 yr CD |
|
0.65% |
|
0.65% |
| 5 yr CD |
|
1.38% |
|
1.39% |
| 1 yr IRA CD |
|
0.77% |
|
0.77% |
| 5 yr IRA CD |
|
1.56% |
|
1.59% |
Financial Planning Webinar
Retirement Calculator, Inc.financialplanningwebinar.com
If you've found this web site, we know that you're serious about planning for your future. Welcome. Make yourself comfortable because you're about to get a whole lot of information that will help you build the future you've always dreamed about. But before we get too far ahead of ourselves, let's make sure that we're all on the same page. A webinar is more or less a conference. Back before the Internet was popular, we'd be sending you out a mailing describing this great seminar we'd be conducting in your town or in a city nearby. We'd all crowd into a room and watch a presentation and then give you the time to ask some questions. A financial planning webinar set up is a lot like that, except we meet wherever your computer is. It's a much less expensive option for everyone, because there are no travel costs, and we can reach a much wider audience. We also can do a little bit more to make sure that everyone is prepared. How do we do that? Well, one way is the retirement calculator that we want you to download before you take part in a financial planning webinar. In fact, this is such an amazing tool that we want you to download it for free even if you aren't planning to attend our webinar. Why would we do that? Well, it's because we know that you will be so amazed by this free software and all that it has to offer that you'll come back to us later for more information. We know that you'll be amazed by our retirement calculator. We know that by downloading it for free and using it for yourself, you'll be further ahead than those who haven't used it. We know that you'll get valuable information about saving and investing. We know you'll have the chance to see firsthand how stocks, bonds, and mutual funds perform. At a financial planning webinar, you will also learn that there's more to investing than knowing how investments have performed in the past. We know that you want to have an idea of how those investments will perform in the future. We took that into consideration with our retirement calculator by creating projections for how they will perform for the next 25 years! But even more important than that, we know that you are looking for ways of planning for your retirement that will give you access to a little bit more money along the way. The retirement calculator's best feature is that it will allow you to see how your withdrawals will affect your savings over the long term. Just think about that for a minute: With this free software and the knowledge that you gain by participating in a financial planning webinar, you'll be able to get a feel for how much of your savings you can use right now or in five years without having to worry that you'll run out of cash when you retire. So, let's get started. Just click on the red button below to download our free retirement calculator and start looking into what your investments can do for you. Not only will that help to make sure that you're up to speed on your financial planning, but we're even going to throw in a free consultation with a financial advisor to help you take all of your new financial planning knowledge and put it to work for you. You'll be so glad that you took control over your future. Get a start on living your dreams. Invest in your future. Click the red button and get started now. |
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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.
