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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
- 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% |
How To Select Advisors
Retirement Calculator, Inc.howtoselectadvisors.com
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Looking for Information on How to Select Advisors? Choose Those Who Give You the Best Advice
The best advice that anyone can give you when you begin to think about retirement is to plan ahead financially. Whether you are are just starting out and in your twenties or you are fast-approaching the status of "senior," it's never too early or too late to set aside the money that it will take to make sure that you will have a financially stable retirement. Many people look for financial retirement advice because they don't know how to select advisors. We know that you have concerns about whether or not you'll be able to make ends meet while you are still working when you are putting a great deal of your income into savings. We here also know that it's likely that you're seeking financial retirement advice because you are concerned that you won't be able to set enough money aside for your retirement and don't know how to select advisors. Like many others, you might be nervous that, no matter how well you plan for your retirement and no matter how well you invest, something might happen that will make it so that you run out of money after you retire. So, what can you do? You can learn how to select advisors and get in touch with a financial planner who can help you to invest your way. You can trust the information that a professional gives you, even if you don't understand how to select advisors or how to act on the advice that they give. We at think that you need to know more about how to select advisors. You deserve to invest your way. We also believe that, when you need financial retirement advice it is because you deserve to understand why you are being given the advice that the professionals are sharing with you. We believe that you deserve to know what information they are using to form their opinions so that you can decide for yourself whether or not their advice is good for you. But how do you know how to select advisors? How do you know what's best for you? How do you determine the level of risk that you are willing to take with the investments that you make? How do you know that the stocks, bonds and mutual funds that you invest in will perform the way that you hope they will? We believe that you need to know how to select advisors and how to be able to find financial retirement advice and that the information you get is presented in a clear, easy to understand way. That's why we hope that you will download our free retirement calculator by clicking the red button below. With it, you will be able to thoroughly research all of your investments. Our retirement calculator software has done the research for you. By evaluating the way investments have performed you will be able to see how they are projected to perform in the future. Even more importantly, the projections that it gives are not for one or two years; rather they are for the performance of you stocks, bonds and mutual funds during the next twenty five years. And those projections can prove to be great financial retirement advice. This is especially true because the values that these projections give take into account interest and inflation rates. Another of the most valuable features that our inflation calculator provides is a tool that will let you see how much of your savings you can withdraw on an annual basis without risking the income that will be available to you after you have retired. Whether you withdraw that money to reinvest or you use it for the down payment on a house or car you can be sure that you are aware of the effect it will have on your future financial security. And, by using our retirement calculator to evaluate your investments, you will not have to worry about how to select advisors; you will not be led astray by a financial advisor who might take advantage of what you do not know. In fact, we want to be sure that the financial retirement advice you get comes from an advisor who has your best interest in mind. That's why, when you click the red button below to download our free retirement calculator, you will not have to worry at all about how to select advisors. We will make sure that you are contacted by a qualified retirement planner for a free consultation. After all, we want to be sure that you are getting all that you can from your investments. We sincerely hope that you will take advantage of this free offer. Our retirement calculator will ensure that your investments will perform as you need them to. The free consultation with a financial advisor will ensure that you know how to select advisors and that you make all the necessary changes to your investments so that all of your retirement dreams a reality. So please, invest in yourself. Start now by clicking the red button to download our free retirement calculator; it will show how how to select advisors and will help you to be certain that your investments are working for you. |
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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?
- Would you like FREE face to face advice or retirement consulting from a trusted local financial advisor?
- Are you looking for help to achieve your long-term financial goals?
- Would you like to learn more about Annuities, 401's, Life Insurance and Long Term Care?
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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.
