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About Retirement Calculator, Inc.

CBS The Early Show

Watch the video clip

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• Analysis of the Economics of Early Social Security Withdrawal

• FREE Retirement Calculator recommended by Ray Martin on the CBS Early Show - Watch the video clip
• FREE Retirement EBook written by Bill Losey, America’s Retirement Strategist
• FREE Retirement Intelligence Information Services Newsletter
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• FREE Consultation with a certified financial advisor in your area

Investing For My Future

I Have Questions About Investing For My Future

It's not uncommon for those who are involved with financial planning on any sort of level to, at one point of another, say "I have questions about investing for my future." On many levels, it's far more common to have questions about investing for your future than it is to feel as though you simply get it, that without any sort of direction you simply understand the different savings accounts that are out there and the different types of investments that you can make.

However, if you do have questions about investing for your future, it is a really good idea to take a deep breath and to relax a bit: it isn't difficult to get the information that you need - information that will lead you to answers to all of the questions that you have about investing for your future. All that you need to do in order to answer the questions that you have about investing for the future is find the right tools.

One of those tools for answering the questions that you have about investing for your future is the retirement calculator that you will be able to download from the bottom of this page. With it, you will find that investing for your future is a lot easier than you may have imagined that it would be.

With the retirement calculator, you will find that you can enter simple information about the savings accounts that you have - your individual retirement accounts, your certificates of deposit, your annuity accounts - as well as about the investing that you have done for your future. Basic details about your 401k account, your money market accounts, your stocks and mutual funds will serve as a foundation for finding the information that you need.

Once you have entered that basic information, you will find that you are able to see how each of your investment accounts has performed in the past - both in terms of individual investments and your entire portfolio. Likewise, you will be able to look at projections for how your investments will perform well into the future. Then you will be able to experiment a bit, to see how small changes that you make to your investment strategy can have a huge impact down the road.

Of course, before you make any of those changes, you will be able to get even more answers to the questions that you've had: when you download the retirement calculator, your contact information will be forwarded to a financial advisor in your area who will follow up with a phone call to see what your questions are and to provide the answers that you need.

If you are one of the many people out there who can say, "I have questions about investing in my future," it's important to keep in mind that you are not alone. It's also important to know that the answers that you need are there and available to you; you just need to find them. The retirement calculator can provide many of the answers that you have been looking for; why not download it now and get started?

Find a Qualified Financial Planner in Your Area

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:

We 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.