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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% |
Financial Advisor Community
Retirement Calculator, Inc.financialadvisorcommunity.com
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Your Financial Advisor Community Just Got Bigger When you're a financial advisor, community can be everything. When you are a member of your community, you will have a better understanding of what is important to the people around you - regardless of what is important; social values, politics, education or home ownership. When you know what is important to the members of your community, you are better able to work with them to reach their financial goals. When you are the one using a financial advisor and your financial advisor is a member of your community, however, you may see things that make you question your choice. Maybe the status of your financial advisor in your community is much higher than yours. Maybe you'll find that the financial advisor's community is made up of people with whom you don't always agree. Whether or not you have a luxury car or an expensive home, and regardless of how you dress, you deserve to know that your financial advisor has your best interest in mind. You deserve to understand your investments, to be able to have control over the way your money is invested and to know that your money is working to build your savings - not those of your financial advisor. If your financial advisor is a member of your community, you may feel uncomfortable directly questioning him or her. You may worry about what others might think. But those concerns should not stop you from taking control of your financial planning. You should not be afraid that your desire to understand your investments will alienate your financial advisor or your community. You deserve to understand your savings and investments and how they work - together and separately - to ensure your financial goals are achieved. When your financial goals for your retirement are not reached, you and your family are the only ones who will feel the effects. That is why you should take responsibility for understanding yourself and what your goals are. How can you take that responsibility? One way is to download our free retirement calculator. With it, you can evaluate the savings and investments that you have and whether or not they are working to help you to reach your goals. You'll be able to look at the way the stocks, bonds and mutual funds that you have invested in have performed over time. You'll also be able to look at projections for how your savings and investments will continue to work for you over the next 25 years - projections that will take into consideration the way that interest rates and inflation will affect your savings. But more importantly, you'll be able to use our free retirement calculator to see how changes that you make to your investment strategy - including withdrawals from your retirement savings - will hurt or benefit you. You'll be able to make the changes that need to be made, and you'll be able to do so without taking the risks of losing everything that you've worked so hard to earn. And, after you've had the opportunity to evaluate your savings and investments, you will be able to talk with a financial advisor - from outside of your community so that no one will need to know - during a free consultation. You'll be able to discuss the concerns and questions that you have. You'll be able to get answers that will help you move forward with the investment strategy that will ensure that you'll be able to have the retirement that you've always dreamed of having. You owe it to yourself to be in control of your financial planning. You deserve to know that your financial advisor - whether he or she is a member of your community or not - is on your side and is working with you. Take the time to research your investments, get the successes that you deserve. Click the red button to download our free retirement calculator and get started right now. |
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Retirement Knowledge Center
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- Are you retired or thinking about retiring?
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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.
