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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% |
Free Financial Planners
Retirement Calculator, Inc.freefinancialplanners.com
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www.freefinancialplanners.com
Thinking about your financial future? Wondering how to continue taking care of loved ones and living comfortably after you hang up your work clothes? Still can't figure out what 401(k) means? From the first day of employment, one of the most important questions facing us is retirement. Balancing a budget while working may seem difficult enough, but you must plan ahead for the days when a weekly or monthly income check does not arrive in your bank account. Using free financial planners to understand your monetary possibilities today, tomorrow can be one step closer to years away from work and worries. Wait, you think, can't I just put away a portion of my money each month in order to build a savings that will ease my worries? Sure, saving money is the first step, but in order to be certain about your financial future, there are many other crucial steps. Whether you make millions or make enough to afford a luxurious meal once a month, you can do much more with money sitting in a bank account. You don't have to invest millions in stocks, either. A retirement calculator can be the ultimate ticket to a successful sojourn from the working world. With help from free financial planners, you can fully understand the opportunities that wait for you. Good financial planning means calculating everything. You don't need to be a mathematical genius, but you do need to have full knowledge of the bills you pay now and will pay down the road. From current expenses and profits to payments a decade ahead, you should use free financial planners to develop a plan that fits your needs and pocketbook. Rather than guess an appropriate amount of money each month for a retirement fund, construct an estimate that matches your current spending patterns and future expected costs. Good financial planning can be your ticket to go home early. Many workers cannot afford to retire in the timely manner that they hoped for years ago because financial planning did not appear to be a pressing issue. However, accurate prediction of your future might even let you quit work early. Rather than realize that your lack of planning will keep you earning a check for five extra years, use a retirement calculator and free financial planners to decide what it takes to relax early. If you still question whether or not you need to plan for retirement, think about this: it can save you money today. The government offers tax breaks for money allotted to specific retirement accounts, making that date in mid-April less of a drain on your checkbook. Invest in your future, and save some money today! While there are many parts of your future that will be decided without your guidance, financial planning is one aspect of your life of which you can take full control. Answer these questions today, and erase the possible hassles of tomorrow. Don't be surprised when you leave the office for the last time - planning a comfortable and carefree retirement with resources from free financial planners is just one click away! Click on the red button below to 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.
