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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.Financial Investment Calculator
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What Could You Do With a Financial Investment Calculator?
Financial markets may seem to you to be difficult to predict. Changing interest rates and inflation can contribute to your uncertainty about the financial markets. It may seem to be nearly impossible to calculate that your financial investments will accomplish for you between now and the time you retire. If you are like many people planning for retirement, you have looked at a number of different savings plans. Because you have not had access to a financial investment calculator, you watch the stock market carefully; you read the reports for the companies you invest in very carefully, because you have seen the news and know that there have been companies that have been less than honest with their investors. You look for companies with the potential to grow, hoping that as they develop through time so will your investments with them. It can be frightening. It can be hard to calculate which financial investments you have made will be the most beneficial. It?s hard to know which wrong turn you could make - which small change to your financial investments could be the difference between successful investing and your not having the income that you need in order to retire. That's why a financial investment calculator proves to be such a beneficial tool. With a financial investment calculator, you can eliminate much of that risk. The free retirement calculator that you can download by clicking the red button at the bottom of this page will allow you to better evaluate the way your retirement savings are affected by your investments; think of it as a financial investment calculator. With it, you will have the tools you need to plan a financially successful life - both for where you are at now and for when you retire. With adjustments for inflation, analysis of asset performance, 25 year projections and instant online customer service built in, this free retirement calculator is an easy to use tool to help you plan for your retirement. You will be able to use this retirement calculator - this financial investment calculator - to get projections not only for the investments that you currently have, but also for those investments that you have considered making. You will be able to use it to determine whether or not an investment you are considering will benefit your retirement savings. And, even though using our retirement calculator will help you to be well on your way to planning for your financial success, we want to give you an additional tool to help make sure that you can achieve your goals. That's why when you click the red button to get the free download of the retirement calculator, you will also have access to a free consultation with one of our expert retirement information services consultants. That's right - we'll connect you with a financial advisor in your area who will help make sure that your retirement will be all that you want it to be, based on an investment strategy formed with a tool that eliminates the risk of your not having money when you need it. Which does include making sure that you have money now, not just after you have retired. How do we do that? Our retirement calculator will show you how much money you can withdraw in any year without affecting your future financial stability - money that you can use to reinvest and further grow your retirement savings. So what's holding you back? There's nothing to lose. Just click the red button. Download the free retirement calculator - the one that doubles as a financial investment calculator - and connect with someone whose goal is to help you achieve all of your financial goals. Get started now - just click on the red button to get started right away, because it?s never too early or too late to start planning the retirement of your dreams. |
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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.
