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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% |
Rate Financial Advisor
Retirement Calculator, Inc.ratefinancialadvisor.com
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How Does Your Financial Advisor Rate?
Planing for your financial future is important: that is why most people choose to work with a financial advisor. A financial advisor can give you suggestions about investment strategies. A financial advisor can help you to determine ways of reaching your retirement goals. However, what would your response be if your were asked to rate your financial advisor? Rate financial advisors: what do you think the criteria would be? What questions would be asked to enable you to rate a financial advisor? How about these: 1)How long has your financial advisor been involved in his or her occupation; 2)Are the fees charged by your financial advisor reasonable and appropriate; 3)Does your financial advisor give you the answers that you need in a way that is easy for you to understand; and 4)Do you feel like you can trust your financial advisor? Given those questions, how your your financial advisor rate? Is he or she good at the job, and has a commitment to helping others with their retirement plans been shown over time? Are you paying a fair price or do you worry that you might be being taken advantage of; are you concerned that the only financial security that your advisor has in mind is his or her own? Even if you trust your financial advisor and you understand the answers that he or she gives to your questions, you owe it to yourself to learn more about the savings and investments that you have. And, the easiest way of getting that information is to download the free retirement calculator at the bottom of this page. With it, you will be able to enter simple information about the savings accounts that you have - your annuity accounts, your Individual Retirement Accounts and even your employer-sponsored 401Ks. You will be able to enter similar information about the stocks, bonds and mutual funds that you have invested in. Once the information has been entered, you will be able to see how your savings and investments have performed over time. More importantly, you will be able to see projections for how those investments will perform up to twenty five years in the future - projections that take changing interest rates and inflation values into consideration so that you can know whether your financial advisor has been steering you in the right direction. Maybe once you see the results you will rate your financial advisor well; maybe you will see that there is room for improvement. Either way, you will be able to use the retirement calculator to determine whether or not there are changes that you can make to your retirement savings and investment plans that would better guarantee your financial security. With the retirement calculator, you will be able to determine whether it would work to your advantage or disadvantage to invest in a different stock or mutual fund. You will even be able to see whether or not a withdrawal from your retirement savings to cover a necessary expense now would be detrimental to you in the future. But you don't only have to look at those changes that you've been considering; you will also be able to look at those changes that your financial advisor has suggested. That way, you will be able to rate your financial advisor based on the advice that you have been given. Your financial advisor may rate well, and if so you are welcome to continue working with him or her. However, if you find that your financial advisor does not rate as well as you would like, you can take advantage of a free consultation with a retirement counselor - someone who can help to get your savings back on track. Determine for yourself how well your financial advisor rates: click the red button below to download the free retirement calculator and make sure that your savings and investments are on track. |
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Retirement Knowledge Center
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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.
