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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% |
Is Your Financial Advisor A Financial Consultant To A Bank, Or To You?
Retirement Calculator, Inc.financialconsultanttoabank.com
Is Your Financial Advisor A Financial Consultant To A Bank, Or To You? Have you ever wondered if the financial advisor you are working with is a financial consultant to you or a financial consultant to a bank? Does it ever seem to you as if the advice that you're getting from your financial consultant isn't really focused on you and your needs? Do you worry that the advice you are getting is the same as the advice everyone in your neighborhood has received? It's unfair to only be given investment suggestions that don't take into account your retirement goals. And, even worse than that, it's unfair to be given savings and investment advice that seems to be given by your financial consultant to benefit the bank that they work with. But how can you tell whether the information that you are given is going to help you to reach your financial planning goals? How can you be sure that the financial consultant who you are working with is focused on you: On what you want to achieve, on how much risk you are willing to take and on how much money you can really afford to save and invest? One way to be sure that your financial consultant is working for you and not just giving your bank the chance to make more money is to be more aware of your investments. Unfortunately, for many people, research into their investments is often done by their financial consultant. But you are not most people. You want to be in control. You want to reach all of your financial goals and you do not want to have to sacrifice any one of those goals for another. And that's why you're looking for easy-to-use tools that you can rely on to give you accurate information. You're looking for tools like the free retirement calculator that you can download by clicking the red button at the bottom of this page. You're looking for a powerful tool that you can use to make sure that your financial consultant is working for and with you and not just making money for a bank. And when you use our free retirement calculator, you'll know that you found just the tool that you need. You'll be able to enter in information about the goals that you have, the money you've put aside into savings and the investments that you have. Then you'll be able to look at the way that those investments have worked over time. You'll be able to get projections for how they will perform over the next 25 years. And, better yet, you'll be able to see how changing interest rates and inflation will affect the savings you have and investments that you've made over time. But even more than that, you can explore the way that the investments your financial consultant has suggested to you will benefit you or the bank. If you like what you see that's fantastic. But if you don't, you'll be able to make some important changes. In fact, you'll be able to use the retirement calculator to see the way that any number of changes to your investment strategy will affect your retirement income -changes that include making a withdrawal from your retirement savings. And after you've had the chance to determine which changes will really benefit you when you retire, you'll be able to talk with a financial advisor who will have your best interest in mind. You'll be able to take advantage of this free consultation to ask questions that you have and get the advice that you need to help you to take your financial strategy, turn it into a plan and then to put that plan into action. With our retirement calculator you will be able to have the security of knowing that your financial consultant is working with you and not just giving advice to a bank. You'll know that your goals are the same goals that your financial advisor has, and that his or her focus is on making those achievements. You deserve to reach your goals. You deserve financial security. You deserve to work with a financial consultant who will work for you. See for yourself how much better it is: Click the red button to download our free retirement calculator today. |
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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?
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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.
