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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% |
Get Retirement Happy - Live Long and Prosper
Colleen Mulder-Seward, MBARetirement Calculator, Inc.
retirementhappy.com
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It seems that everyone wants to be sure they have a happy retirement, but are you sure that you're doing everything that you can to retire happy? Maybe you're working with a financial advisor, but you know you don't want to take big risks. Maybe you just lost your job and now you're trying to save for a happy retirement and make sure the bills get paid. Or you want to travel but the only money you have saved is for - you guessed it - your retirement. Having a happy retirement doesn't mean that you need to live in fear of running out of money before you even get to have the freedom of retirement. Investing wisely doesn't mean that you have to risk losing everything to make a bigger profit. And, most importantly, saving money to ensure your happy future doesn't mean that you have to make huge sacrifices to your happiness now. The key to making your retirement happy and still living the life that you want (and deserve) right now is knowledge. You need to know how your investments will perform. You need to know how inflation rates will affect the way your savings work for you. You'll also need to know how withdrawals that you make from your savings for the short term will affect you in the long run. But you're probably afraid that you don't have the time to research the history of your investments and how they have performed over time. You probably don't know how to gauge what's going to happen with the inflation rates over time. And you're probably afraid that if you do withdraw money from your savings, you'll either suffer tax penalties or even worse - you'll withdraw too much and all of a sudden your happy retirement dreams will disappear altogether. The fear of seeing your dreams disappear is very real. So is the fact that almost everyone needs more time in life - time for family and friends or just unwinding with a good movie or book. But what if you could do the research and ensure your happy retirement without sacrificing time for yourself? Would you do it? What if it wouldn't cost you anything? What if you could do the research on how your investments have performed and how they will perform with no cost and minimal effort? If you said that you would, you're about to have your chance to prove it. We would like to offer you our free retirement calculator to help ensure your happy retirement. We've done the research for you; all you need to do is enter a little but of information about your savings and investments and the calculator takes it from there. You'll be able to evaluate your investments. You'll be able to see what affect interest rates and inflation will have on your savings. And, perhaps even more valuable, you'll be able to evaluate how much money you can withdraw from your savings to pay for the things you want and need now and still be guaranteed enough money to have a happy retirement. There's no risk involved when you download our retirement calculator - there's no cost involved. And, as an added value, we also will include a free consultation call with a retirement expert. During this consultation, you'll be able to ask questions and get advice from a professional financial advisor who can give you the guidance you need to make sure that all of your happy retirement dreams can come true. With nothing to lose and so much to gain, we don't see any reason why you should wait. Click the red button below to get started with your free download of our retirement calculator and get a free consultation with a retirement counselor. Make sure that your retirement is as happy as you dream it will be. |
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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.
