How should I allocate my assets? Over 90 percent of investment returns are determined by how investors allocate their assets versus security selection, market timing and other factors.* Use this calculator to help determine your portfolio allocation based on your propensity for risk. * Source: Brinson, Singer, and Beebower, ‘Determinants of Portfolio Performance II: An […]
What are my long-term care insurance needs? There are basically three ways to fund your long-term care needs: self-insure, qualify for Medicaid or obtain long-term care insurance. Use this calculator to determine your potential long-term care needs and how long your current assets might last. Use Calculator
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What is the impact of making extra payments on my debt? Over the course of loan amortization, you will spend hundreds, thousands, and maybe even hundreds of thousands in interest. By making a small additional monthly payment toward principal, you can greatly accelerate the term of the loan and, thereby, realize tremendous savings in interest
Am I Saving Enough for Retirement? Retirement can be the happiest day of your life! This pre-retirement calculator was developed to help you determine how well you have prepared and what you can do to improve your retirement outlook. It is important that you re-evaluate your preparedness on an ongoing basis. Changes in economic climate,
How much will I earn in my lifetime? Most people earn a small fortune during their lifetime. Yet many of them are unaware of how their annual income adds up over the years. This calculator, designed to help you estimate how much you’ll earn before you retire, may surprise you with your own earning capacity.
How much life insurance do I need? Planning to meet the financial needs of your survivors is one of the most important and fundamental steps in creating a sound financial plan for you and your family. This step may require the purchase of a life insurance policy to ensure that your family’s needs will continue to
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Should I lease or purchase an auto? Leasing has become a very popular method of acquiring a new auto. Although the payments may seem attractive, it may not always be the best financial decision versus purchasing the vehicle outright and financing it with a low-interest loan. Use the following calculator to help analyze the financial
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How much can I contribute to an IRA? Many factors can affect your eligibility and contribution limits to either the Traditional IRA or Roth IRA — tax filing status, your current earned income level and whether or not you participate in a retirement plan at work. Use this calculator to help you determine whether or not
How does inflation impact my retirement income needs? It may surprise you how much inflation can erode purchasing power. Use this calculator to estimate how much more income you may need when factoring in inflation between now and until you reach retirement to keep the same standard of living that you may have today. Use
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How Much House Can I Afford? When you’re buying a home, mortgage lenders don’t look just at your income, assets, and the down payment you have. They look at all of your liabilities and obligations as well, including auto loans, credit card debt, child support, potential property taxes and insurance, and your overall credit rating. Use
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