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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% |
Will Your Money Last
Colleen Mulder-Seward, MBARetirement Calculator, Inc.
willyourmoneylast.com
Will Your Money Last? Here's A Sure Way To Find Out. If you're like most people, the number one thing that you wonder about retirement is will your money last. Is that a question you can answer? Will your money last? Hopefully it will. Hopefully, you've been saving and investing and working to ensure that your retirement will be financially secure. Hopefully, you have diversified your portfolio. Hopefully, when someone asks, 'will your money las', you can say with certainty that it will. We know that you have a picture of your ideal retirement in mind. We know that you've thought long and hard about what you're going to do with all of the time you have once you no longer are working for a living. Maybe you've been thinking about the places that you've always wanted to see, the places you'll travel to when you retire. Maybe you've been dreaming of the ability to just relax, finish up all of the projects around the house that you've barely had the time to start. Or maybe you're just looking forward to having the time to spend with your family. Time with your spouse and time with your children and grandchildren aren't always luxuries that you can afford while you're working. Will your money last while you live out the retirement you've dreamed of? Will you be able to afford general costs of living and all of the things that you want to do and still have the ability to pay for any unexpected expenses? One way to determine whether or not your money will last is to study your savings and investments. You can take the time to do the research yourself or you can pay your financial advisor to carefully evaluate your savings plan and determine whether or not it's the best strategy for you. Or you can take advantage of a tool that has done all of the research for you. With our free retirement calculator, you'll be able to have a clear answer for the question 'Will your money last?' When you download the calculator and enter in the values of your savings and investments, you will be able to take a closer look at your financial planning strategy. You'll be able to look at the way the stocks, bonds and mutual funds have performed over time. You'll be able to examine your savings and investments and see how well they are projected to do in the future even with changing interest rates and inflation. But more importantly, you'll be able to perform calculations that will let you see how changes to your strategy will affect your savings and investments. You'll be able to see what would happen if you invested in different stocks or what would happen if you were to need to make a withdrawal from your retirement savings. If you like what you see, that's terrific. We'll be glad that you like what you see. But if you don't, we know that you might want a little bit of help determining ways of making sure that your money will last. That's why, when you download our free retirement calculator, we'll arrange for you to have a free consultation with a financial advisor. You can discuss your plans and get answers to your questions. You can figure out which changes you can make that will guarantee that your money lasts, and then determine the best way to put those plans into action. Will your money last once you retire? Make sure that it does. Click the red button below to download our free retirement calculator and find a way to ensure that you have the money you need for the financial future you've always dreamed of. |
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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?
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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.
