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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.Secure Your Retirement With College Financial Planning services
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These days, it seems like you need to save money for everything. The problem with that is prices are going up on gas, groceries, education and housing. If you're not careful, you'll forget to save for retirement. Or you'll be so busy saving for your retirement that you'll forget to save for college for your kids, or even your grandchildren. We want to ensure that all of your savings will work to your advantage. You might benefit by considering the assistance of college financial planning services. Maybe you're thinking about making a withdrawal from your retirement savings as a way of helping to pay tuition expenses. Or maybe you're looking for ways of funding your tuition while starting to save for your own retirement. Either way, we want to help you get on the right path to financial success through college financial planning services. College financial planning services are essential for that success. We know that you know this. But we also want to be sure that you know about a retirement savings calculator that will ensure that you have money available, both for when you retire and for the expenses - like college tuition - that come up along the way. What can this retirement calculator do for you? In addition to making projections on how your investments will work for you, the free retirement calculator that we are making available to our customers will help you to determine how much money you can withdraw from your retirement savings each year without having a negative impact on your future. In other words, if you borrow money from your retirement to pay for college financial planning services, you'll know just how much you can borrow without any negative results. This retirement calculator is such a powerful tool that it has been recommended on the CBS Saturday Early Show by the network's top financial analyst, Ray Martin. Mr. Martin wouldn't have the position he has at CBS if he weren't at the top of his field. With his endorsement, you know that this is a tool that you can count on to get results. This retirement calculator is an invaluable asset for financial planning, retirement planning, and college financial planning services. And while it is a valuable resource by itself, the free download is only the beginning. When you click on the red button below to get your retirement calculator, you will also be given access to a free consultation with a financial advisor. During this consultation, you'll be able to get answers to any questions that you may have (that is, if you were unable to get the answers that you needed through an immediate online chat with a customer service representative). You'll be able to discuss what investment strategies will work the best for you, which plans will take you further than you had previously thought possible. Wouldn't it be an amazing comfort to know that your financial future would be secure? And wouldn't it be even better to know that you could meet your financial obligations now without having to worry that you would not be sacrificing your retirement savings? That's what this retirement calculator can do for you: It can help you build a secure financial future. So, what are you waiting for? Just click the red button to get started, it's that easy. |
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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.
