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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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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 |
|
3.80% |
|
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% |
Retirement Affiliate Program
Colleen Mulder-Seward, MBARetirement Calculator, Inc.
retirementaffiliate.com
Are you looking for an affiliate program that delivers high quality products and outstanding profits? Look no further than Retirement Calculator, Inc.! Retirement Calculator, Inc. offers two ways for you to make money - (1) from purchases of the Retirement Calculator 3.0 and (2) affiliate referrals. Please read our Affiliates agreement and the information below to find out more details about our amazing affiliate program. If you have questions, please do not hesitate to contact us. What are the Products Offered by Retirement Calculator, Inc.? (1) The Retirement Calculator 3.0 is a high quality calculator with the following features:
(2) The Retirement Intelligence Information Services is a newsletter that provides investment education in easy to understand terms for the individual investor. Topics covered by the Retirement Intelligence Information Services newsletter include:
How does the Program Work? To join Retirement Calculator, Inc. affiliate program, just fill in our affiliate application form. Our affiliates program is FREE to join! By submitting this form you confirm to have read and understood how our affiliate program works and agree to the rules as specified on this page and in our Affiliates Agreement. After you sign up you can login to your account and generate HTML code for our ads with your affiliate link. Then place these banners and/or text links on your web site, e-mails, etc., which recommend our Retirement Calculator software product, Retirement Intelligence Information Services and affiliate program to your visitors, friends and partners. When somebody clicks that link a tiny text document ("cookie") with your affiliate ID is stored in his or her browser. After a successful purchase, a special script retreats the affiliate ID from the Cookie and automatically credits affiliate's account commissions and related bonuses. You will receive up to $10.00 commissions on all sales referred by you, with an additional bonus of $5.00 for everyone who signs up, that you refer to our affiliates program! When people referred by you purchase one of our products within a year from clicking, we will pay you the same commissions and bonuses for signing up affiliates under you and for selling the Retirement Calculator! Why Become a Retirement Calculator, Inc. Affiliate? Retirement Calculator, Inc. affiliate program has many advantages over others:
Who is this Affiliate Program for? Anyone who owns a web site or a mailing list may join the Retirement Calculator, Inc. affiliate program. What are the Retirement Calculator, Inc. affiliate program rules? Short and simple - we play 100% by the rules and you must too:
We respect your right to privacy and hereby assure you we will not give, sell or tell your personal information and e-mail to a third party. Please read our Affiliates agreement to find out more details about this amazing affiliate program. If you have questions, please do not hesitate to contact us at www.retirementcalc.com Copyright © 2008, Retirement Calculator, Inc. All rights reserved. |
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Retirement Knowledge Center
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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.
