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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
Retirement Calculator, Inc. has been exposed live in New York on CBS The Saturday Early Show for its flagship product the Retirement Calculator and recommended by Ray Martin the top financial analyst for CBS News.Watch the video clip
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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% |
Don't Fall In Love With That Retirement Recruiting Firm Yet
Retirement Calculator, Inc.retirementrecruiting.com
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It used to be that recruiting services were hired by companies who wanted to get the best staff - people who hadn't necessarily even known that a position was available, let alone applied for it. Now, retirement recruiting is becoming more common. The economy, while it is booming, isn't benefiting everyone equally. More and more, people are finding that they are unable to have the luxurious retirement they'd dreamed of during their working life. Instead, they are finding that they are forced to enter back into the work force. That's where retirement recruiting comes in. Rather than leaving it up to the retirees themselves to seek out a position, someone from a retirement recruiting company gets in touch with them and encourages them to go for the interview. A retirement recruiting company does more than just searching for the right older worker, they also manage databases of companies that welcome a more experienced worker. But, as much as working with a retirement recruiter can prove beneficial to the job seeker, we think that you would prefer to not have to deal with one. Wouldn't you rather plan for your retirement in such a way as to not need to find a way to supplement your retirement income? Wouldn't you prefer it if you had the money that you needed to pay the bills and have the lifestyle that you'd always hoped for? We believe that it's possible for you to manage your retirement savings and investments in such a way as to avoid having to rely on a part-time or full-time paycheck on the side. All it takes is the ability to do the research. What kind of research? Research into how the investments you've made have performed over time. Research into how the stocks, bonds and mutual funds that you've invested in are expected to perform as time goes on - and how the rate of return on those investments will be affected by interest rates and inflation. Maybe you're thinking that it would be easier to just take on another job than to do all of that research yourself. Maybe you think that it would be impossible to get that information and have it prepared in a way that was easy for you to understand. You'd be wrong. All it takes is for you to click the red button at the bottom of this page. By doing so, you'll be able to download our free retirement calculator. Our retirement calculator lets you put in the values of your savings and investments, lets you get information on your stocks, bonds and mutual funds. You can see how your investments have performed, and can learn about how they will continue to perform over time. But more importantly than that, you'll be able to see how small or large changes to your investment strategy can affect the outcome of your retirement planning. Thinking about changing the stocks you invest in? Use the calculator to see how the change would affect your savings. Looking at making a withdrawal from your retirement savings for an important purchase? Use the calculator to make sure that it won't sink all of the hard work you've put in to earning money for your retirement. And then, rather than taking a call from a retirement recruiter, take a call from a retirement counselor. Along with your download of the retirement calculator, you'll receive a free consultation with a financial advisor who can help you make sense of your investments and how they can work even better for you. Let the recruiters put their efforts into recruiting someone else - take the time to download our free retirement calculator and secure your financial future. Just click the red button to get started. |
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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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- Would you like FREE face to face advice or retirement consulting from a trusted local financial advisor?
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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.
