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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% |
What Do You See On Your Retirement Resume?
Retirement Calculator, Inc.retirementresume.com
Sometimes, planning for your retirement can be a lot like planning to get a great new job. In fact, it's possible to plan for your retirement career just as you plan for a career in business or some other field. When you begin thinking about the retirement that you want, consider writing a retirement resume. As a professional resume would, your retirement resume should contain an objective. Take a moment to write out the things that you want when you retire: The ability to travel, time relaxing, the comfort of knowing that all of your bills will be paid, the ability to help put your grandchildren through college. Once you've put your objective on your retirement resume, start thinking about your skills. In this case, what have your investment strategies been? Determine whether you've taken many or few risks. Consider the ways in which you've invested - whether you've put your savings into stocks, bonds, mutual funds or savings accounts. Look at your ability to determine which investments have the best rate of return. And after you've thought about your skills, add your successes to your retirement resume. List the investments you've made that have grown quickly. List the investments you picked - whether on your own or based on the advice of your financial planner - that have been extremely successful. In addition to your successes, you'll want to use your retirement resume to evaluate the education you've had when it comes to investing. This education may be from discussions with a financial advisor. It may come from reading magazines or the financial section of your local newspaper, or even the Internet. Once you've written out a basic retirement resume that covers all of those areas, take a close look at it. Is your retirement resume enough to get you the retirement that you've always dreamed of? Or are there changes that you could make that would make it even better? We think that you deserve the best retirement possible. We think that, no matter how great your retirement resume is, there will always be room for improvement. And more than that, we want to prove it to you. That's why we hope that you'll download our free retirement calculator. With it, you can take a closer look at your retirement objectives and make sure that the retirement you are planning for will allow you to achieve them. You'll be able to look at your retirement skills with the retirement calculator too. You'll be able to evaluate the investment strategies that you've used in the past and that you will use in the future as well as how they will affect your retirement savings. You'll be able to see how the stocks, bonds and mutual funds have performed over time. You'll also be able to determine whether or not your investment strategies have been as successful as you've thought they are. When you download our retirement calculator, you'll also have access to tools that will help you learn more about the future of your investments. You'll see how the stocks, bonds and mutual funds are projected to perform over time as well as how they will be affected by inflation and interest rates. Even better than that, you'll be able to consult one on one with a financial advisor who can help you to utilize those tools to make your retirement plan guaranteed to succeed. You'll be able to get answers that will make you even more successful - answers that will add to the qualifications on your retirement resume. Will your retirement resume help you get the retirement you want? Find out by clicking the red button to get our free retirement calculator. Use it to get the qualifications you need for the retirement you deserve. |
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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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- 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.
