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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% |
Fiduciary Retirement Advisors
Retirement Calculator, Inc.fiduciaryretirementadvisors.com
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Want the Relationship with a Retirement Advisor that Will Benefit You the Most?
By definition, when you work with a fiduciary you have entered into a partnership with someone who cannot legally benefit from the business that they do for you. Fiduciary retirement advisors, therefore, are individuals who cannot ask you to act on their suggestions for building your retirement savings or your investment portfolio unless those suggestions will not directly benefit anyone but you. Another benefit to working with fiduciary retirement planners is that a fiduciary retirement planner is obligated to always act in the way that is in your best interest. And, while it is against the law for fiduciary retirement planners to benefit from encouraging you to take an action that is not in your best interest, it is also a violation for a fiduciary retirement planner to benefit from an honest mistake. If fiduciary retirement planners do make a profit acting on your behalf, they are required to tell you about the profit. And what happens with that profit will be up to you to decide. Because it seems to most people that a relationship with fiduciary retirement advisors is a sure fire way to get the best advice, many people choose to form those relationships. But even though you can feel confident that you are able to completely trust your fiduciary advisor and that he or she will act appropriately - that he or she will act in your best interest and keep you informed of any gains that were made - it is never a bad idea to take advantage of a tool that would allow you to better stay on top of your own savings and investment accounts. One such tool for knowing the status and future of your financial savings is the free retirement that can be downloaded by clicking the red button at the bottom of this page. The free retirement calculator will allow you to take a closer look at your savings accounts to see how they have performed and how they will perform for you given the rising costs associated with inflation and changing interest rates. Similarly, you will be able to analyze the investments that your fiduciary retirement advisor has suggested to you. You will be able to evaluate the stocks, bonds and mutual funds that you already have invested in so that you can see how those investments have performed in the past. You will also have the opportunity to view projections for how your investments are expected to perform over time. Because you will be able to view projections over the next twenty five years, you will be able to see how the investments that you have made will be affected - just as the money held in your savings account was - by changing interest rates and inflation. And, in addition to being able to analyze your current investments, you will be able to use the retirement calculator to analyze those changes to your investment strategy that your fiduciary financial advisor suggests to you. You will be able to carefully look at the effects that changing your investment strategy might have on your retirement savings - even before you give your fiduciary retirement advisor your permission to make the investment. With the retirement calculator you can be absolutely sure that your savings and investments will benefit you - and not your financial advisor. When the time comes for you to retire, you will be able to have a greater sense of confidence in your investment strategy because you will have had a role in making it work. Though you trust your fiduciary retirement advisors, you can still benefit from another level of security. All it takes is a click the red button to download the free retirement calculator so that you will be able to see for yourself that you are getting the right information to help you to reach your financial goals. |
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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?
- 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.
