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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% |
Retirement Career Advice
Retirement Calculator, Inc.retirementcareeradvice.com
How To Get The Best Retirement Career Advice What's the best advice you've ever received about your career? What about the best advice you've been given about retirement? You've probably been given plenty of great advice about working. 'Do your best.' 'Learn to work as part of the team.' 'Set goals, reach your goals, then set more.' 'Give as much as you can'. The same is true for planning for your retirement. Start saving when you're still young. Save at least 10 percent of your income. Make wise investments. But what about advice for your retirement career: What have people told you that you ought to do to plan for it? It used to be that if you worked hard and saved well when you were retired, you could just be retired. Unfortunately, that's not always the case anymore. These days, even with the stock market achieving record highs, many people need to work longer. Worse than that, many people who do retire find themselves going back into the workforce because they didn't plan as well as they had thought that they did. Of course, career options for retirees aren't as varied as they are when we first enter the job market. Gone will be the days that the career field was wide open and we can choose anything. That doesn't mean that you should give up hope. Instead, it means that you need to work harder and invest even more wisely. By planning carefully, by maintaining an awareness of the markets and how your investments function within them, you still can follow that old retirement career advice: work hard, save well and when you retire, be retired. But that advice isn't nearly as simple as it sounds. In order to have the money to invest, you'll likely spend a lot of your time working. In order to invest wisely, there's a lot of information that you'll need to gather. You'll need to learn how stocks, bonds and mutual funds have performed over time. You'll need to gather information about interest rates. You'll need to recognize inflation and understand how it affects your savings. Getting all that information takes a lot of time - at least it does if you do it on your own. Don't let that discourage you, though. You don't need to do all of the research yourself. In fact, it's possible to gather all of the information you need with a simple click of a button - the red button at the bottom of this page. When you do, you'll be able to download a free retirement calculator. You can then analyze your investments and savings. You can see how your investments have performed over time. Using that information and the calculator's projection tools, you can estimate how much your retirement savings will be able to do for you once you retire. And, when you use the retirement calculator, you can gather other information as well. You can use the powerful 'what if' tools to analyze different investment strategies and even to see how withdrawals you make from your savings will affect your retirement - and whether or not you'll need to find a new career. Whether you like, or don't like, what you see when you use the free retirement calculator, you'll have the opportunity to talk with a financial advisor who can help you to make decisions to ensure your future. Click the red button now to get started. And the next time someone asks you about the best retirement career advice you've ever received, you'll be sure to tell them all about the free retirement calculator and how it's helping you make your retirement dreams come true. |
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Retirement Knowledge Center
Search our extensive retirement knowledge base.Top 100 Articles by Web Traffic:
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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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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.
