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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% |
Income Webinar
Retirement Calculator, Inc.incomewebinar.com
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An Income Webinar Can Help You with Some Aspects of Your Retirement Planning, But It Is Not the Only Tool That You Can Use
If you've found this web site, it probably has something to do with your commitment to your financial security. We hope that you will be able to make yourself comfortable, because you're about to get a whole lot of information that will help you build the future you've always dreamed about. Let's make sure that we're all on the same page: we are not offering you an income webinar. After all, a webinar is more or less a conference. Back before nearly everyone had access to and used the internet, we would have been sending out a mailing describing this great seminar that we might intend to conduct in your town or in a city near where you live. You and a large number of other people like you would all crowd into a room and watch a presentation and then give you the time to ask some questions. A income webinar is not all that different from a seminar, the difference is that a webinar meets wherever your computer is. It's a much less expensive option for everyone, because there are no travel costs and there is no reason to rent a hotel room or a conference room. Similarly, more can be done to make sure that everyone is prepared. How can that be done? Well, one way is the retirement calculator that we want you to download before you take part in any income webinar - regardless of which company that income webinar is sponsored by. In fact, this is such an amazing tool that we want you to download it for free even if you aren't planning to attend an income webinar. Why do we feel so strongly? The main reason is simple: because we here know that you will be so amazed by this free software and all that it has to offer that you'll come back to us later when you need more information. We know that you will be impressed with our retirement calculator. We know that by downloading it for free and using it for yourself, you will be further ahead than those who haven't taken the opportunity to download and use it. We know that you will be able to use it to get valuable information about savings and investments. We know that, with it, you will have the chance to see firsthand how stocks, bonds and mutual funds have performed and will perform. At an income webinar, you will also learn that there is far more to investing than looking at how investments have performed in the past; we know that you also need to have an idea of how those investments will perform in the future. Therefore, our retirement calculator will give you access to projections for how your investments will perform for the next twenty five years - projections that will take into consideration the way that interest and inflation will affect your investments and your retirement income. Even more importantly, we know that you are looking for ways of planning for your retirement that will give you access to the cash that you might need along the way. The retirement calculator's best feature is that it will allow you to see how any withdrawals you make from your retirement savings will affect your income over the long term. Consider that for a minute: with our free retirement calculator software and the knowledge that you will be able to gain by participating in a income webinar, you'll be able to know how much of your savings can be used right now or next year or five years from now without having to worry that you'll run out of cash when you retire. So, why not get started? Just click on the red button below to download our free retirement calculator. With it, you can start looking into what your investments will do for you between now and the time when you retire. Not only will that help to make sure that you're up to speed on your financial planning, but to help you even more we will throw in a free consultation with a financial advisor to help you take all of your new financial planning knowledge and put it to work for you. You'll be so glad that you took control over your savings and investment strategies. Get a start on living your dreams and invest in your future. See for yourself how easy it is: click the red button and get started now. |
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Retirement Knowledge Center
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- 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.
