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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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- The Nervous Retiree
- Why You Need Retirement Calculator Software
- Analysis of the Economics of Early Social Security Withdrawal
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
- FREE Retirement Intelligence Information Services Newsletter
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- FREE Consultation with a certified financial advisor in your area
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 30 yr fixed mtg |
|
3.91% |
|
3.81% |
| 15 yr fixed mtg |
|
3.17% |
|
3.13% |
| 5/1 ARM |
|
2.87% |
|
2.83% |
| 30 yr fixed jumbo mtg |
|
4.72% |
|
4.62% |
| 5/1 jumbo ARM |
|
3.23% |
|
3.28% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| $30K HELOC |
|
4.65% |
|
4.66% |
| $50K HELOC |
|
4.26% |
|
4.27% |
| $30K home equity loan |
|
5.94% |
|
5.95% |
| $50K home equity loan |
|
5.66% |
|
5.69% |
| $75K home equity loan |
|
5.63% |
|
5.66% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 36 month new car loan |
|
3.89% |
|
3.89% |
| 48 month new car loan |
|
4.03% |
|
4.03% |
| 60 month new car loan |
|
4.22% |
|
4.23% |
| 72 month new car loan |
|
3.31% |
|
3.31% |
| 36 month used car loan |
|
4.88% |
|
4.88% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 6 month CD |
|
0.41% |
|
0.41% |
| 1 yr CD |
|
0.63% |
|
0.63% |
| 5 yr CD |
|
1.33% |
|
1.33% |
| 1 yr IRA CD |
|
0.71% |
|
0.71% |
| 5 yr IRA CD |
|
1.52% |
|
1.52% |
Retirement Job Center
Retirement Calculator, Inc.retirementjobcenter.com
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What do you think of when you think of a retirement job center? Better yet, what do you think of when you think of a retirement job? When we think about a retirement job center as well as a retirement job, we get uncomfortable. We think about greeters at superstores. We think about the awkwardness of being interviewed by someone much younger. We think about how unfortunate it is that someone is forced to return to the workforce and take a minimum wage job when they are supposed to be relaxing and enjoying time off after all of the hard work they've done throughout their lives. We believe that after you've raised your family and worked long hours to support yourself and save for your future, you shouldn't have to go to a retirement job center. We believe that with careful planning early on, you can be guaranteed the retirement you've always dreamed of. We know that when you retire you want to be retired. We know that you may want to travel or that you'll want to be sure you have the money to pay the bills and cover unexpected costs. With Social Security not being well funded and more and more companies cutting their pension plans as a way of cutting operating costs, it can be difficult to save enough money for retirement. But we believe that with some careful planning, you can invest wisely and can avoid spending your time at a retirement job center. That's why we want to encourage you to learn more about your investment strategy. We want you to look into the way that the stocks, bonds and mutual funds that you've invested in have worked out. We want you to know how they've performed over time. We want you to be able to determine how they will perform in the future. We also want you to be able to explore the investments you have now, but we also think that planning your future well involves looking at other investment strategies that might work better for you and make you more able to reach all of your financial retirement goals - without having to go to a retirement job center so that you can make ends meet. We believe that you deserve to retire the way that you've always dreamed of. We also believe that, even with all of the challenges that may come up, you are able to save and invest in your retirement in such a way that you will have all of the income that you need set aside. We're not the only ones. CBS News financial analyst Ray Martin has encouraged viewers of The Saturday Early Show to find ways to take control of their investments. And the tool that he suggested to help viewers plan their financial futures is the retirement calculator that you can download by clicking the red button at the bottom of this page. Our free retirement calculator will help you look closely at your investments - how they've performed and how they are expected to perform. You'll be able to look at the way interest rates and inflation will impact your savings. You'll also be able to look at other investment plans that will help you reach your goals. And if you have any questions, you'll be able to ask them of a retirement counselor. When you download our retirement calculator, you'll also receive a free consultation with a financial advisor. You'll be able to use that time to talk about the plans you have and the changes you want to make. You'll get answers to questions. And, with this new knowledge and some great advice, you?ll be able to plan more effectively for your retirement. Get a head start by clicking the red button and investing in your future. Make sure that your retirement doesn't include a trip to a retirement job center - unless you want it to. |
Find a Qualified Financial Planner in Your Area
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?
- 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?
- Are you looking for help to achieve your long-term financial goals?
- Would you like to learn more about Annuities, 401's, Life Insurance and Long Term Care?
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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.
