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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 A Free Retirement Planning Guide
Retirement Calculator, Inc.freeretirementplanningguide.com
Get A Free Retirement Planning Guide You've probably had the chance to look at a free retirement planning guide. You've probably found some useful information in it, but you've probably found a lot more information that doesn't really apply for your situation. Maybe the free retirement planning guide that you read was geared towards investors who could afford to take big risks. Maybe the free retirement planning guide that you read was geared towards a younger generation -people who have a much greater amount of time to plan and save for and invest in their financial futures. Or maybe the retirement planning guide that you were able to take a look at was geared towards those who were offered an early retirement by their company. And those free guides may have you wondering whether there is any tool that you can use to really help you plan for your retirement. But don't let yourself be discouraged: we've got a great tool that you can download to help you with planning your retirement. That tool is our free retirement calculator -a tool that you can look at as a customizable free retirement planning guide. With this calculator, you'll be able to look at your own savings and investments. You'll be able to see how the retirement savings accounts that you have as well as the stocks, bonds and mutual funds you've invested in have performed over time. You'll also be able to see projections for how your savings and investments will perform in the future -up to 25 years from now. And, since those projections will take into consideration the way that changing interest rates and inflation will affect your retirement income. Even though our retirement calculator will not tell you exactly what you need to do to have the retirement you've dreamed of having, you will be able to use our retirement calculator to plan that dream retirement. You'll be able to use it to see the way that withdrawals you make from your retirement savings now will affect you after you retire. But you will also be able to use our retirement calculator to explore the way that other changes to your savings and investment strategy will affect the income that's available to you once you're no longer working. You'll be able to look at other stocks, bonds and mutual finds to see how they would affect the value of your portfolio. You'll be able to look at other accounts that might have a higher rate of return. And, once you've had the chance to look at your retirement planning for yourself, you'll be able to discuss what you've found during a free consultation with a financial advisor. You'll be able to get answers to the questions you have. You'll be able to get the advice you need to turn your financial strategy into a plan that you can quickly put into action. When you use our retirement calculator, you'll find that you can develop your own free retirement planning guide. You'll be able to get all of the advice that you need, based on where you are now and where you want to be when you retire, to achieve all of your goals. But to use this free retirement planning guide, you do need to take action. But it's a simple action: Just click the red button below to download our free retirement calculator and get started. |
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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.
