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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
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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% |
Get The Best New York Teacher Retirement Plan Available
Retirement Calculator, Inc.newyorkteacherretirement.com
Get The Best New York Teacher Retirement Plan Available New York state teachers have access to a lot of information that will help them to plan for retirement. The New York State Teachers' Retirement System provides a number of guidelines for New York teachers who are planning to retire. For instance, when New York teachers begin to plan for their retirement, they're told that there are things they need to consider:
We think that those points to consider are important for everyone, not just New York teachers who are planning for retirement. That's why we hope that you'll consider them carefully. And we hope as well that once you've identified what your retirement goals are and once you've had the chance to look at how much money you're going to need in order to have the retirement income to reach those goals you will download our free retirement calculator. With our retirement calculator, you will be able to get a much closer look at the income your savings and investments will be able to provide you with. You'll be able to look at your 401k, IRA or annuity account. You'll be able to look at the stocks, bonds and mutual funds that you've invested in. You'll be able to look at the way that your savings and investments have performed over time. More importantly, you'll be able to look at projections for the way that all of your savings and investment accounts will perform in the future -up to 25 years in the future. And, because those projections take into consideration changing interest rates, inflation and the ways in which those things will affect your retirement savings, you'll be able to get a strong sense of what your retirement income will look like. And then, you'll be able to evaluate the retirement income you'll have from your savings and investments and add it to the benefits you expect to receive from Social Security and your pension account. You'll be able to take a close look at what you have, and you'll be able to compare what you have with the income that you'll need. Now you're ready to consider the fourth point: What you need to do to make up the difference between the amount of money that you'll have and the money that you'll need. With our retirement calculator, you'll be able to see how making different investments will affect the income you have available. Once you've had the chance to look at other investments you might make, you'll have the chance to talk them over with a financial advisor. When you download our free retirement calculator, you'll be able to have a free consultation with a retirement counselor. You'll be able to ask the questions you have and get the answers that you need. You'll be able to develop the right strategy to meet all of your financial goals -whether or not you are a New York teacher planning for retirement. Use our retirement calculator to make sure that you have all of the retirement income that you need to reach your retirement goals. This easy to use free tool will help you to make the right investment decisions for you. See for yourself: click the red button to download our retirement calculator and see how it can help you reach your 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?
- 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.
