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.Recommended Reading
Let Us Help With
Your Retirement
By putting your home's equity to work, you can take advantage of decreased monthly expenses while gaining cash for travel, medical expenses, home repair, investment or simply enjoying life as you see fit. Qualify for a Reverse Mortgage Now
Retirement Intelligence Information Services
This free newsletter provides investment education in easy to understand terms, to help you, the individual investor.Sign-up for the
FREE newsletter
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.Your own Financial Advisor
charteredfinancialadvisor.com
What if you could have your very own financial advisor? What if you had someone who worked with you to show you which investments you were making that would help to ensure that you would be able to save for the retirement that you?ve dreamed of without having to sacrifice your ability to really live your life in the now? If you're like most people, you'd want to jump at the chance. But, like most people, you are probably worried that it's an expense that you can't afford. Sure, you want to retire and live the good life once you're no longer working, but you're in debt. You have a house to pay off (or your rent is so high that you can't afford a place of your own). You have car loans, education loans, and credit card bills. You probably think that it's amazing that you're able to set aside any money at all for your retirement. Our chartered financial advisors know that many people struggle to balance living the life they want and saving for the retirement they've always dreamed of. We also know that sometimes people don't even know where to start. Or, if they do know where to start, they don't know how to make sure that they are getting the best possible return on their investment. Our chartered financial advisors don't want to leave you swimming in a sea of uncertainty. Planning for your future is important. Being able to live the life that you want to live is important. We know that, and it's why we want to make you an offer that's too good to pass up. We have developed a chartered financial advisor program that ensures your financial planning success. We've developed a simple way for you to determine the strengths and weaknesses of your investments and how they are performing. Our retirement calculator, a tool used by many chartered financial advisors, lets you keep track of your investments and shows you how they may perform. It takes into consideration inflation, and it also lets you see what will happen when you withdraw from your savings - in other words, our retirement calculator lets you see how your investments and savings work for you. More importantly, the chartered financial advisor retirement calculator allows you to see how much money you can withdraw from your investments now without jeopardizing your retirement savings. And, because we know that what you see may make you a little bit nervous, when you download our free retirement calculator program, we give you access to a financial advisor in your area who can help you to plan for a more secure future. This free download and the financial advisor consultation will allow you to make sure that the future is as bright as you've always hoped that it will be. Whether you will retire in four or 40 years, being able to know that your future will be stable and that the money won't run out is invaluable. Even so, we want to be sure that everyone takes advantage of this offer because we believe that everyone deserves to succeed. That's why we want you to start now. Click the red button now to get started. Download our free retirement calculator right away. Talk with a financial advisor. Build your best future. Build your best life. |
Find a Qualified Financial Planner in Your Area
Retirement Knowledge Center
Search our extensive retirement knowledge base.Top 100 Articles by Web Traffic:
- Is That 401k Early Withdrawal Penalty Worth It?
- Military Retirement Pay Calculator
- 401k Plans Made Simple
- Is That 401k Early Withdrawal Penalty Worth It?
- The Truth About Borrowing Against Your 401k
- Mortgage Calculator Excel
- Do You Need A Free Retirement Poem
- Understand borrowing From Your 401k
- Retirement Calculator
- Dividing Your 401k After A Divorce can be Tricky
- Registered Retirement Savings Plans (RRSPs)
- 403(b) Plans Demystified
- Do You Know Your 401k Maximum Contribution?
- 401k vs. Roth IRA: Which One Is Right For You?
- Excel Spreadsheet Mortgage Calculator
- The Truth About Michigan Teacher Retirement
- IRA's Simplified
- How Long Will My Money Last?
- Annuity Payment Calculator
- Is That 401k Early Withdrawal Penalty Worth It?
- Invest In A Nationwide 401k Plan
- Annuity Payout Calculator
- Free Retirement Planning Calculator
- Your Retirement Future
- Immediate Annuity Calculator
- How to Become A Successful Financial Consultant
- Look Closely At Your 2007 401k Limit
- Tap Into The New York City Retirement System
- How to Calculate Retirement Needs
- Retirement Income Planner
- Retirement Managers: How to Select the Best
- This Free Financial Planning Software Can Show You Five Things To Do When You Retire
- Download Our Free Retirement Withdrawal Calculator
- Fixed Annuity Calculator
- Speak To A Certified Financial Consultant Today
- What You Need to Know to Create Your Retirement Budget
- HP Financial Calculator
- Hobbies: A Great Way to Add Fun to Your Retirement
- Reserve Retirement Calculator
- How To Manage My Money
- Financial Advisor Resume
- Pension Plans and Your Retirement
- Retirement Allocation Explained
- Investment Financial Calculator
- Your Financial Savings Plan Made Simple
- How Can I Do a Retirement Calculation?
- Retirement Intelligence
- Active Adult Community retirement
- Gain Access To New York State Teacher Retirement
- Welcome To My 401k Company
- Take A Retirement Early Withdrawal Without Penalty
- Take Our Financial Planning Software Survey
- Take Our Financial Planning Questionnaire
- Free Retirement Planning Software
- Financial Advisor License
- Free Retirement Calculator Software
- Certified Financial Adviser
- Financial Planning Retirement Software
- What's Your Ideal Retirement Withdrawal Rate?
- Will My Money Last Throughout My Retirement?
- Retirement and Mutual Funds
- Your Retirement Date
- The Right Retirement Estimator for You
- Retirement Investments Demystified
- Who has the Time to Read Retirement Books?
- Retirement Problems and You
- Learn More About Retirement Planning in Canada
- Free Financial Planners
- Hobbies: A Great Way to Provide Retirement Happiness
- What is Your Retirement Projection?
- Free Financial Planning Tools
- Annuity Income Calculator
- Manage My Retirement, Please!
- How to Make Your Retirement Assessment
- Do You Belong To A Financial Planning Family?
- Download Financial Calculator
- Financial Management Book
- Get A 401k Retirement Account Today
- Get The Best New York Teacher Retirement Plan Available
- Retirement Annuity Calculator
- Financial Advisor Fee Only
- Calculating Retirement Has Never Been Easier
- Financial Management Consultant
- Get A Paycheck 4 Life
- Join A Retirement Community In Florida
- Retirement Calculator 401K
- Get A Free Retirement Planning Guide
- The Latest Retirement Travel Trend
- Get Ready for Retirement Quickly
- Do You Get Your Financial Planning Free?
- Find Independent Financial Advisors
- Meet Your Financial Service Advisor
- How To Find Financial Advisors
- Retirement Fund Calculator
- Retiring in Comfort
- Financial Investment Calculator
- The Right Retirement Calculator for You
- How To Find a Financial Advisor
- Plan Your Retirement Annuity Your Way
- What Does Your Retirement Plan 401k Have In It?
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?
- Are you looking for help to achieve your long-term financial goals?
- Would you like to learn more about Annuities, 401's, Life Insurance and Long Term Care?
|
|||||||||||||||||||||||
Would you like to retire, but aren't sure you can?
Have you wondered if you have enough money to retire, how long it will last, how much you can take out, and the best way to invest?
Everyone who has thought about retirement has asked themselves these and other questions. Now you can get ALL the answers in Retire in a Weekend! This short, simple, humorous, easy-to-understand book answers the 10 most popular questions and addresses the 5 biggest concerns people have about retiring! So stop asking yourself IF you can retire ... with Retire in a Weekend! you'll learn HOW to actually do it.
For a limited time, purchase Retire In a Weekend for $29.95 and receive a free download of Retirement Calculator Premium.
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.
