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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% |
Fiduciary Financial Advisors
Retirement Calculator, Inc.fiduciaryfinancialadvisors.com
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Want the Financial Advisor Relationship that Will Most Benefit You?
In the most strict sense, a fiduciary is someone who cannot benefit from the business they do in partnership with you. Fiduciary financial advisors, therefore, are those financial advisors who cannot ask you to act on their suggestions unless those suggestions will benefit you. Adding to the benefit of fiduciary financial advisors is that they are obligated to act in your best interest. They are as unable to benefit from an honest mistake as they are from asking you to make an investment that will only benefit them. Further, fiduciary financial advisors - if they make a profit acting on your behalf - must tell you about the profit, and it will be up to you to decide whether or not they are able to keep the money that they made. Therefore, it seems to many people that relationships with fiduciary financial advisors would be beneficial. However, even though you are trusting that your financial advisor will act appropriately, that he or she will act in your best interest and keep you informed of any gains that were made, it would not hurt 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 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 analyze your savings accounts - your certificates of deposit and how they should be growing based on their interest rate, your IRAs, your 401Ks as well as other accounts that you may have. Similarly, you will be able to analyze the investments that your fiduciary financial advisor suggested to you. You will be able to look at the stocks, bonds and mutual funds that you hold. You will be able to see how those investments have performed in the past and you will also have the opportunity to view projections for how those stocks, bonds and mutual funds 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 two primary things. First, whether or not the information given to you by your fiduciary financial advisor about the investment's projections was correct. And, second, you will be able to see how the investments that you have made will hold up over time - and how they will be affected by changing interest rates and inflation. 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 study those investments and the effects they will have on your retirement savings even before you change the location of your money. You will be able to see how your savings will be affected, but you will also be able to determine - even before an incident occurs - whether or not your fiduciary financial advisor is benefiting from a transaction made on your behalf. Therefore 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, which will give you an even greater sense of confidence in your investment strategy. If you have chosen fiduciary financial advisors, you already understand that there are financial advisors who take advantage of their clients. Rather than taking your chances, add yet another level of protection. 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, the information that will help you to reach your financial goals. |
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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?
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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.
