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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
Retirement Calculator, Inc. has been exposed live in New York on CBS The Saturday Early Show for its flagship product the Retirement Calculator and recommended by Ray Martin the top financial analyst for CBS News.Watch the video clip
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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 |
|
3.87% |
|
3.95% |
| 15 yr fixed mtg |
|
3.19% |
|
3.27% |
| 5/1 ARM |
|
2.86% |
|
2.90% |
| 30 yr fixed jumbo mtg |
|
4.40% |
|
4.51% |
| 5/1 jumbo ARM |
|
3.02% |
|
3.14% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| $30K HELOC |
|
4.72% |
|
4.81% |
| $50K HELOC |
|
4.33% |
|
4.40% |
| $30K home equity loan |
|
6.03% |
|
6.22% |
| $50K home equity loan |
|
5.73% |
|
5.98% |
| $75K home equity loan |
|
5.71% |
|
5.95% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 36 month new car loan |
|
3.54% |
|
3.90% |
| 48 month new car loan |
|
3.65% |
|
4.03% |
| 60 month new car loan |
|
3.79% |
|
4.21% |
| 72 month new car loan |
|
3.31% |
|
3.31% |
| 36 month used car loan |
|
4.87% |
|
4.85% |
| NATIONAL OVERNIGHT AVERAGES | TODAY | +/- | LAST WEEK |
| 6 month CD |
|
0.42% |
|
0.42% |
| 1 yr CD |
|
0.65% |
|
0.65% |
| 5 yr CD |
|
1.38% |
|
1.39% |
| 1 yr IRA CD |
|
0.77% |
|
0.77% |
| 5 yr IRA CD |
|
1.56% |
|
1.59% |
What Your Retirement Rollover IRA Is All About
Retirement Calculator, Inc.retirementrolloverira.com
When you're planning your retirement, you need to be sure that your investments are made the right way. If you have chosen to place some of your retirement savings into an IRA- whether independent or co-funded by your employer - you ought to make sure that your finances are in a retirement rollover IRA. What exactly makes a retirement rollover IRA valuable? To begin with, a rollover IRA allows you to quickly transfer funds from one employer-funded account to another if you change jobs. Much of the funding in a retirement rollover IRA can be tax deferred- allowing you to not pay taxes on the monies invested until you need to withdraw them when you retire. But part of the value of a rollover IRA is that it is merely one source of retirement savings. In order to plan well for your retirement, you ought to have more than one form of savings as well as a variety of investments. One way to be sure that you are saving well for your retirement is to plan carefully. You need to commit to researching the way all of your accounts perform - both saving and investment accounts. You need to understand the ways in which these investments will continue to perform. Doing all of that research- so that you can understand your investment accounts, certificates of deposit and your retirement rollover IRA accounts - can be time consuming. Having a financial advisor do the research for you can prove to be expensive. In addition to the financial cost, what happens if you suspect that, after your advisor has done the research for you, your advisor is more considerate with his or her own finances than with yours? But is there an alternative? Is there a way of getting all of the information that you need to understand your savings and investments that will not eat away all of your free time? Is there a way of knowing that the information you get about your accounts is reliable and unbiased? The answer is yes. And that alternative is to download our free retirement calculator. With it you can examine your savings - from certificates of deposit to a retirement rollover IRA - accounts to determine how they will perform over time. You can also use the retirement calculator to evaluate the performance of your investments - see how your stocks, bonds and mutual funds have performed over time. What's more is that you will be able to see the ways in which interest rates and inflation affect your future financial situation. You'll be able to see how well your investments have performed as well as projections of how they will continue to perform over the next 25 years. Whether you like what you see but think that you could do better or you don't like what you see and know that you need to make changes, you can use the retirement calculator to explore changes that you make to your investment strategy. You'll be able to see whether investing in different stocks or buying shares of a different mutual fund would be beneficial to your financial future, and then you can act accordingly. And, once you've used our free retirement calculator, you'll be able to work with a financial advisor to get your questions answered and your strategies turned into plans. You'll be able to take advantage of this free consultation- with no obligation - and be sure that the person you are talking with is as committed as you are to making your financial future a success. Make sure that you've invested in the best retirement rollover IRA for you. While you're at it, make sure that you take advantage of the research you can do into all of your other investments as well. Take control of your financial future: Just click the red button below to download the free retirement calculator and get started. |
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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.
