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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 Retirement Information
Retirement Calculator, Inc.freeretirementinformation.com
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www.freeretirementinformation.com
It's never too early to plan the future. With rising costs of education, family and housing, you will face many expenses over the next few decades. However, you cannot afford to postpone planning your retirement. While balancing current costs with an income that always seems to small is a challenge, retirement should not be a difficult time when it arrives. There is plenty of free retirement information available to assist you in the early stages of deciding how to make your senior years carefree. Work consumes a lot of your time. After the clock marks the end of the day, you probably don't want to spend more of your valuable time figuring out more details about how to use your hard-earned money. You already spend enough. Free retirement information is designed to help you understand the value of saving extra funds for future expenses. While some workers pay large sums for financial planners to aid in tax forms and retirement preparation, you can gain all of this knowledge at no cost. Be your own financial guru, and learn the secrets to a successful retirement. While most Americans retire at the age of 65, you can begin planning now in order to make sure you can leave work in time to enjoy the finer points of life such as yachting, golfing and sleeping. Don't depend on pension funds to fuel your lifestyle after you hang up your work clothes. With free retirement information, you can understand the many options you have to increase your funds and increase your chances for a retirement miles away from the hassles of monetary worries. What exactly do you need to determine an easy retirement? Free retirement information will use your current age and income and how much money you expect to need after you stop working to develop a custom plan to help you reach your goal. While some workers believe a general estimate of necessary money will suffice for a retirement plan, planning the lifestyle you deserve after many years of hard work requires more attention. Your annual income will disappear, but daily expenses will stick around. Familiarize yourself with all the benefits that your company or organization offers to its workers. Many companies have beneficial 401 (k) retirement packages that allow you to allocate a specific amount of your earnings each pay period to your eventual retirement. While less money now sounds unappealing, you will be especially thankful when you have this fund decades later. Furthermore, money in a retirement fund helps you pay lower taxes. 401 (k) plans can seem complicated, but free retirement information will help you fully understand the reasons for using this kind of fund and its advantages. With so many ways to ensure a pleasurable post-work lifestyle, there is no reason to put off preparation any longer. From investments to savings funds, there are many storage options that can help your money grow. Pick up your free retirement information, and begin learning ways to be certain that you are en route to the fruits of your labor. just click on the red button. |
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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.
