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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
- 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% |
How To Find Financial Advisors
Retirement Calculator, Inc.howtofindfinancialadvisors.com
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Wondering How to Find Financial Advisors? Consider the Big Picture of Your Retirement Goals
No matter whom you are or what your retirement goals may be, you want to be sure that you know how to find financial advisors. More specifically, you want to be sure that you know how to find a financial advisor who can help you to achieve your goals. You want to be able to work with someone who you can trust; someone who has all the right information. You want to find a financial advisor who has the know-how to put experience and information to work for you so that all of your retirement goals will be achieved. When it comes to how to find financial advisors, you also need to be sure that you have enough information to determine whether or not you've selected the right financial advisor for you. That doesn't mean that you need to ask to see his or her college transcripts or even that you need to know where your financial advisor went to school to determine whether or not he or she knows the job; it means that, when it comes to how to find financial advisors, you to be smart about it. It means that you need to understand your goals. It means that you need to have some understanding of the financial markets so that you can be sure that the information you are finding a financial advisor who will be able to help you to achieve all of your retirement goals. Regardless of how you find financial advisors, there are some key points that you should consider when you work with them to evaluate your investments. The first is that you should know how your investments have performed over time. The second is knowing how inflation will affect your investments. The third is the projected rate of interest and the effect it will have on the value of your savings when you retire. When you are aware of both the history of how your investments have performed and of how they are likely to perform, you're more likely to invest wisely. You'll be better able to use this when you find a financial advisor - better able to determine the quality of the advice your advisor gives you. But doing all that research may seem as though it would be overwhelming. After all, the reason that you were looking to find financial advisors was so that there was less research that you needed to do. When you are wondering how to find financial advisors, there is a solution - a free solution. Download the free retirement calculator by clicking the red button at the bottom of this page. We have done the research for you and the retirement calculator will help you to determine whether stocks, bonds and mutual funds have been successful over time. The retirement calculator has looked at interest and inflation rates, and factors them in when performing projections. You can drastically cut the amount of time you will need to research your investments with our retirement calculator. You'll be able to get a better idea of just what your financial advisor is talking about. You'll also be able to know which questions you need to ask to get the help that you need when you go out to find financial advisors. But what about finding the right financial advisor? No matter how great our retirement calculator is, you may be thinking, how will you be sure that you're picking the right financial advisor to help you meet all of your retirement goals? Well, you won't have to worry about how to find financial advisors when you download our retirement calculator. We've screened a number of financial advisors and made sure that they have the know-how to make your investments work for you. In fact, we're so sure that we can help you find the right financial advisor that we will give you a free consultation with a financial advisor to help put the investment strategy that you've researched into action. That's right, when you download our free retirement calculator by clicking the red button below, you'll ensure that you know what your investments are doing and that you will learn more about how to find a financial advisor who will be able to help you do it in the best way possible. If you're serious about finding a financial advisor and you want to take control of your retirement savings, you owe it to yourself to click the red button and download the free retirement calculator. An offer like this isn't going to last - be sure to click the red button below to get started right away! |
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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?
- 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.
