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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
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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% |
Free Social Security Calculator
Retirement Calculator, Inc.freesocialsecuritycalculator.com
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Need to Calculate Your Social Security? Choose a Free Social Security Calculator That Does More
Are you sure that you will be able to rely on Social Security to provide you with the income that you will need once you are retired and no longer have a regular paycheck coming in from an employer? Social Security, stocks, mutual funds are all common sources of retirement income. However, without careful planning and the right free social security retirement calculator, you cannot be sure that any of the accounts that you have for retirement - whether savings accounts or investment accounts - will be enough to ensure that you have the income you need available to you when you retire. After all, more and more people are finding that, due to under-funding of the program, they can no longer afford to retire based on the checks that they will receive from Social Security. Even though they - like you - have contributed to the system the whole time they've been working, Social Security can no longer be thought of as a guarantee that you will be able to meet your financial obligations after you are no longer working. Though the government continues to make promises that people will receive checks from Social Security after retirement, many people are becoming increasingly concerned, doubtful that they will have a steady Social Security retirement income. The doubts that they have are leading them to research other ways to finance their retirement, ways that they believe will be more secure than Social Security - and they are using a free social security calculator to do so. In other cases, they are turning to their financial advisors and to ask questions that they hope will help them to determine which stocks, bonds and mutual funds they can invest in so that they will be able to reach all of their retirement goals. In other cases, they are reading newspapers, magazines, books and posts on the internet - seeking information that promises to deliver investment strategies and tips that will give them the returns they are looking for. Still others are more cautious when it comes to calculating their retirement and Social Security benefits. These individuals spend their time researching their investments that they have made and the ways those investments have performed over time. They look at the way interest rates and inflation will affect their future savings. A third group, however, does not act: they just panic. The members of this group don't do research, they just start saving as much money as they possibly can, and they try to invest in a wide variety of stocks and mutual funds - diversifying and hoping for the best. Saving and investing as the result of an emotional panic, however, does little more than counting on Social Security to ensure a financially stable retirement. Instead, when you hope to find a secure retirement plan, you need to make that you have solid information and accurate projections - something that you can do with our free Social Security calculator. The free retirement calculator - the free Social Security calculator that does far more - is available at the bottom of this page. With it, you will be able to calculate your projected Social Security income. In addition, you will also be able to use it to closely examine the savings that you have and the investments that you've made to see how your stocks, bonds and mutual funds have performed over time. More than that, you will be able to use it to look at interest rates and inflation along with the projections for your investments in order to understand how secure your retirement really will be. And, perhaps even more importantly, you will be able to look at the ways in which changes you make to your savings and investment strategy will affect your overall retirement income. Before you retire, you want to be sure that you will be able to achieve your goals. You also want to be sure that you do not find yourself unprepared when yoru income is up to you, when you no longer have a paycheck coming in from an employer. This is also the case if you have been depending on Social Security for you retirement: you will want to use a free Social Security calculator because you don't want to retire to find that the promised payments are not there for you. In order to be sure that you are able to achieve your retirement goals, you need to have the right information. In addition, you need to work with someone who has more experience, someone who knows how to make your retirement dreams a reality. And that is why, when you download this free retirement - and Social Security - calculator, you will also receive a free consultation with a financial advisor. During that consultation, you will be able to ask the questions that you have about your investments. You will also be able to ask questions that you have about Social Security. You'll get the answers and advice that you need, and you'll learn how to put your retirement plan into action. Once you develop a savings and investment plan and follow through with it, you will find that you are more confident about planning your retirement. When you talk with a professional retirement counselor, you will know that you have someone on your side who is there to helping you put your plan into action. If you're still relying on Social Security for your retirement and are looking to find real security, you owe it to yourself to try our retirement calculator. Be prepared in case Social Security isn't enough, calculate the income that you will have available to you: click the red button to download our free retirement calculator and ensure your secure retirement. |
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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.
