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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
- 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% |
Prevent That Dreaded Retirement Job Hunt
Retirement Calculator, Inc.retirementjobhunt.com
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Are you afraid that you'll need to perform a retirement job hunt? Are you nervous that even after you've worked hard throughout your life, you'll still need to find a job after you've retired? If so, you're not alone. Many people are worried that their dreams for retirement won't come true. Many people see that Social Security is underfunded. They see that companies are dissolving pension plans in an attempt to cut costs. The rate of inflation and increasing costs of living make people nervous that no matter how well they save and invest they won't have the money that they need when they retire. It's something that you've learned throughout your life. If you want something you need to save the money to get it. If you don't have the money, you need to work to earn it. So it stands to follow that if you don't have the money you need after you retire, you need to perform a retirement job hunt to get out there and re-enter the work force. But what types of jobs do you think you'll find when you do a retirement job hunt? Do you think that you'll still be in an office or do you believe it's more likely that you'll end up being a greeter in a retail chain? The truth of the matter is that the options you will find when you perform a retirement job hunt probably won't be ideal. You'll find during your retirement job hunt that you may end up taking a job that you think is well below your skill level. But what if there were ways that you could plan more effectively for your retirement so that you could be sure that you had the money that you needed without having to perform a retirement job hunt? What if you could save and invest well and ensure that you had the income to support your retirement dreams? How much time, money and energy would you be willing to put into researching your retirement well? What if it was possible to simply download an easy-to-use tool that would do the research for you? What if that tool was also recommended by respected financial analysts and did not cost a thing? You'd probably suspect that such a tool can't possibly exist, but it does. Ray Martin, financial analyst for CBS News talked about it on the CBS Saturday Early Show. He encouraged viewers to look into and download our free retirement calculator. With it, you can evaluate the savings and investments that you have now. You can look at the way the stocks, bonds and mutual funds you've invested in have performed over time and see how they are projected to perform over the next 25 years. You can see your interest and inflation rates will affect your savings. But even more importantly, you can see how changes that you make to your investment strategy will affect your future. You'll also be able to determine whether or not withdrawals you make from your retirement savings will affect the amount of money that you have when you retire. Once you've downloaded our free retirement calculator, you'll also be able to talk one on one with a financial analyst who can answer your questions and help put your investment strategy into action. We don't want you to perform a retirement job hunt unless you want to find a job to occupy some of your time. That's why we hope that you'll download our free retirement calculator and take advantage of the free consultation with a retirement counselor. There's nothing to lose and only financial security to gain. See for yourself: Click the red button to get started right away. |
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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.
