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Retirement Calculator, Inc. provides the tools and resources necessary to assist you in making critical economic decisions regarding your retirement future.

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Colleen's Corner

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.
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NATIONAL OVERNIGHT AVERAGESTODAY+/-LAST WEEK
30 yr fixed mtg 5.07% 5.01%
15 yr fixed mtg 4.36% 4.36%
5/1 ARM 3.94% 3.90%
30 yr fixed jumbo mtg 5.83% 5.83%
5/1 jumbo ARM 4.48% 4.50%
Rates may include points
NATIONAL OVERNIGHT AVERAGESTODAY+/-LAST WEEK
$30K HELOC 5.12% 5.13%
$50K HELOC 4.84% 4.85%
$30K home equity loan 7.81% 8.14%
$50K home equity loan 7.69% 8.10%
$75K home equity loan 7.71% 8.14%
Rates may include points
NATIONAL OVERNIGHT AVERAGESTODAY+/-LAST WEEK
36 month new car loan 6.43% 6.69%
48 month new car loan 6.57% 6.83%
60 month new car loan 6.62% 6.88%
72 month new car loan 5.07% 6.03%
36 month used car loan 6.85% 7.06%
Rates may include points
NATIONAL OVERNIGHT AVERAGESTODAY+/-LAST WEEK
6 month CD 0.80% 0.80%
1 yr CD 1.18% 1.22%
5 yr CD 2.59% 2.60%
1 yr IRA CD 0.88% 1.12%
5 yr IRA CD 2.39% 2.39%
Rates may include points

Get Free Financial Retirement Advice

Retirement Calculator, Inc.
financialretirementadvice.com

The best advice that anyone can give you is to plan ahead financially for retirement. Whether you are 26 or 62, it's never too early or too late to start setting aside money to make sure that you will have a financially stable retirement.

But we know that many people seek financial retirement advice because they don't know where to begin. We know that you have concerns about whether or not you'll be able to make ends meet if you are putting much of your income into savings. 

We also know that it's likely that you're seeking financial retirement advice because you are concerned that you won't be able to set enough money aside for your retirement. You're nervous that, no matter how well you plan for your retirement and no matter how well you invest, something might happen that will make it so that you run out of money after you retire. So, what can you do? You can get in touch with a financial planner who may or may not let you invest your way. You can trust the information that a professional gives you, even if you don't understand it. 

We think that you deserve to invest your way. We also believe that you need financial retirement advice because you deserve to understand why you are being given the advice that the professionals are sharing with you. We believe that you deserve to know what information they are using to form their opinions so that you can decide for yourself whether or not their advice is good for you.

But how do you know what's best for you? How do you determine the level of risk that you want to take with your investments? How do you know that the stocks, bonds, and mutual funds that you invest in will perform for you in the way that you hope they will?

We believe that you need to be able to find financial retirement advice and that the information you get is presented in a clear, easy-to-understand way. That's why we hope that you will download our free retirement calculator by clicking the red button below.

We understand that you need to plan ahead but that you don't always have enough time to thoroughly research all of your investments. Our retirement calculator software has done a lot of that research for you. By evaluating the way investments have performed you will be able to see how they may perform in the future. 

What's more, the retirement calculator provides you with a way of seeing how your investments will perform. The projections that it gives are not for one or two years; rather, they are for the performance of your stocks, bonds, and mutual funds for 25 years. And those projections can prove to be great financial retirement advice.

This is especially true because the values that these projections give take into account interest and inflation rates.  But the most valuable feature that our inflation calculator provides is a tool that will let you see how much of your savings you can withdraw on an annual basis without jeopardizing your future.

Whether you withdraw that money to reinvest or you use it for the down payment on a house or car, you can be sure that you will have evaluated the possible effects. And, by using our retirement calculator to evaluate your investments, you will not be led astray by a financial advisor who might take advantage of what you do not know.

In fact, we want to be sure that the financial retirement advice you get comes from an advisor who has your best interests in mind. That's why, when you click the red button below to download our free retirement calculator, we will make sure that you are contacted by a qualified retirement planner for a free consultation. We want to make sure that you are getting all that you can from your investments.

We sincerely hope that you will take advantage of this free offer. Our retirement calculator will ensure that your investments will perform as you need them to. The free consultation with a financial advisor will ensure that you make all the necessary changes to your investments that will make all of your retirement dreams a reality.

So, please, invest in yourself. Start now by clicking the red button to download our free retirement calculator to be certain that your investments are working for you.

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Retirement Homes is a comprehensive directory of retirement homes, retirement communities, senior housing, long term care and elder care facilities. Retirement Homes will help you learn about all your retirement living, senior housing, and long term care options in the USA and Canada.

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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 Age

We 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.