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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 |
|
4.38% |
|
4.36% |
| 15 yr fixed mtg |
|
3.86% |
|
3.87% |
| 5/1 ARM |
|
3.38% |
|
3.44% |
| 30 yr fixed jumbo mtg |
|
5.50% |
|
5.45% |
| 5/1 jumbo ARM |
|
4.18% |
|
4.27% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| $30K HELOC |
|
5.05% |
|
5.06% |
| $50K HELOC |
|
4.79% |
|
4.81% |
| $30K home equity loan |
|
7.48% |
|
7.53% |
| $50K home equity loan |
|
7.37% |
|
7.45% |
| $75K home equity loan |
|
7.40% |
|
7.47% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 36 month new car loan |
|
6.08% |
|
6.08% |
| 48 month new car loan |
|
6.16% |
|
6.16% |
| 60 month new car loan |
|
6.21% |
|
6.22% |
| 72 month new car loan |
|
4.23% |
|
4.23% |
| 36 month used car loan |
|
6.48% |
|
6.47% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 6 month CD |
|
0.79% |
|
0.77% |
| 1 yr CD |
|
1.11% |
|
1.09% |
| 5 yr CD |
|
2.30% |
|
2.33% |
| 1 yr IRA CD |
|
1.01% |
|
0.90% |
| 5 yr IRA CD |
|
2.26% |
|
2.29% |
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Are you looking for financial planning software? Do you want to find the right program for you based on what other people have been looking for? Are you really looking for the results of a survey relating to financial planning software, an easy way to determine what works and what doesn't and what will benefit you? We think that we can offer you the next best thing. We've tested financial planning software. We've looked at the features and tools that users just like you have said that they would love to have. In fact, the retirement calculator software that we've chosen to offer you did so well while it was tested that we couldn't wait to get it out to you. If you're as excited as we are, feel free to skip to the bottom of the page and click on the red button to get started. But, we'd prefer it if you let us tell you a little bit more about the financial planning software that we are offering. The first information you would miss, if you just skipped through to the bottom, is that we are offering you this retirement calculator for free. That's right, even though this is the best financial planning software that we can offer you, we want you to have it at no cost. That doesn't mean it's not good. The financial planning software, the retirement calculator, is excellent. It allows you to evaluate investment strategies. It offers projections out over the next 25 years. And the retirement calculator also lets you experiment to see how different scenarios might affect your investments. But the retirement calculator software that will help with all of your financial planning needs also offers one more huge benefit that we know you cannot afford to pass up: A tool that let's you see how withdrawals from your savings will affect you down the road. That's right. You'll be able to see how much money you can pull from your savings each year without having to worry about running out of the money you worked so hard to save. Seriously, even if this financial planning software weren't free, you would benefit from having it. Just think of what you could do with the money you've already set aside! You could travel, or you could reinvest and make your financial future even more secure. But this free financial planning software isn't all that you get. In addition to the tools to evaluate your retirement savings, you also get access to online customer support where you can get immediate answers to questions you might have about the software. You won't get frustrated trying to use this program; you'll just be amazed when you find new ways of investing that will make your future even more successful than you think it will be. And to help with making your future more financially stable and closer to the future you've always dreamed of, we want to offer you an additional benefit. Based on a survey of what people look for in their financial planning software, we realized that most people also want the chance to discuss their plans with someone who has professional experience. Once you've had the chance to evaluate your investments with the retirement calculator software, you'll be able to discuss your strategies with a financial advisor. But that one-on-one consultation with a retirement specialist is also free. You read that correctly. Not only do you get the free retirement calculator software but you also get a free one-on-one session with an expert who will help you to reach all of your financial goals. You can tell that this is a fantastic offer. You know that we'd be crazy to offer it for free forever. That's why you need to act quickly. Just click on the red button below to get started with this outstanding software. With the evaluation of your investments and the consultation with a retirement financier, you'll be on your way to the financial freedom you've been looking for. Just click the red button below to get started and you'll be on your way. |
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Retirement Knowledge Center
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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.
