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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
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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% |
Plan Your Retirement Annuity Your Way
Retirement Calculator, Inc.retireannuity.com
When you are planning your financial future, the idea of an annual pay out sounds fantastic. That's why when many people plan their retirement they look into annuity accounts. They make their investments and either right away or after they retire they get annual payments. What if you could plan your financial future with investments that would give you an annuity payment, both now and after you retire? Imagine knowing that even if you withdraw money from your savings every year you will still have the money you need when you retire. Each and every year you could have the extra money to take your family on vacation. And there's another possibility as well: You could use the money that you withdraw from your retirement savings to reinvest to build an even more secure financial future. But how do you know that you'll still have the money that you need when you retire? How do you know that when you withdraw money from your savings you won't withdraw too much? The answer to those questions is simple. You research your investments. You research interest rates. You look at inflation. You study the markets. You find a way to invest that you are comfortable with and that will work for you to ensure your financial security. And it sounds as if all of those things will require a large investment of a different kind , an investment of a lot of time and energy. But it doesn't. It takes a click of the mouse on the red button at the bottom of this page. It takes downloading our free retirement calculator and using it to plan the way you will save to retire comfortably. It takes using that retirement calculator and evaluating investment strategies to figure out which one will get you where you want to be. We've done the research for you. We've looked at the way investments have performed. We've made projections to show how stocks, bonds and mutual funds will perform over time. We've looked at interest rates. We've considered inflation. And we've built into our retirement calculator ways to see how changes to your investment strategy will affect your finances when you retire. You can use that tool to see how making an annual withdrawal from your savings, setting up your own annuity account based on the money that you have saved, invested and accrued, will affect the money that you have when you retire. We've also worked in an additional benefit that will help you to have an annuity from your retirement savings. When you download our free retirement calculator you will also be able to have a free one on one consultation with a financial planner. You can do your own research. You can look at all of the options. And then you can discuss your thoughts and questions with a retirement counselor who will help you plan for the retirement you want , whether or not you want to retire with an annuity that starts now or later. You may decide when you do your research or talk with the financial advisor that taking an annuity from your retirement savings is not something you want to do. You may choose to invest specifically in an annuity account for the sake of peace of mind. Whatever you choose though, we want you to know that you've made a decision based on knowing the facts. Take the time to understand your investment strategies. Click the red button now to download our free retirement calculator and take advantage of the research we've done to make sure that you plan for the retirement that's right for you. |
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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.
