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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 Planning Retirement Software
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In this age of the computer, it makes sense that you're looking to the Internet to help get you started with planning your retirement. We're glad to see you. Sit back, make yourself comfortable, and let us tell you all about the retirement calculator that we want you to download for free. You're probably wondering why we would just give away a tool as powerful as the financial planning retirement software retirement calculator. You're probably thinking that it can't possibly be as good as we are trying to tell you it is. Rest assured, if it weren't as great as we're telling you, viewers of the CBS Saturday Early Show would not have been encouraged by financial analyst Ray Martin to check it out. So now that you're definitely interested, let us tell you a bit more. The financial planning retirement software retirement calculator allows you to take a look at how your investments will perform based on how they've done over time. The rates of inflation and interest will both be factored into the analysis of your investments. Better yet, the financial planning retirement software retirement calculator that you'll be downloading when you click the red button at the bottom of this page will let you get an idea of how much of your savings you can withdraw on an annual basis without having a negative impact on your savings. The short explanation of that: You can use money that you're saving for your retirement now without worrying that you won't have money left after you retire. That's the kind of financial planning that we know you want to have. You deserve to be able to live the life you want, and we want to be sure that we can help you get it. We want to help you achieve your financial goals both now and for a long time to come. That's why, after you've downloaded and had a chance to use our retirement calculator, we're going to add another bonus. Not only are we giving you free access to the best financial planning retirement software to help you save for the retirement of your dreams, but also we're going to set up a one-on-one conversation for you with a professional retirement counselor. That's right. After you have the chance to see what your investments will do for you, we're going to set you up with one free session with a financial advisor who will help you get your investments on track to bring you everything that you want. So let's go through this again, just in case you couldn't believe what you were reading. We're giving you free access to a retirement calculator that will let you adjust your investments and even let you see how much you can spend without a risk of not having money when you retire. And then, just to make sure that you're heading in the right direction, we're going to give you a free one-on-one session with a financial planning consultant. Given that the experts believe in our retirement calculator, shouldn't you too? Seeing is believing as they say, so click the red button now to see for yourself. You'll be glad you did. |
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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.
