Invest for the Future

A comfortable retirement. College education for the kids. These aren’t impossible goals — if you have an investment program in place to help you achieve them. Primerica can help you free up money to achieve your goals. And the sooner you start, the greater your growth potential.

The Three-Legged Stool Has Begun to Wobble

For years, financial experts used the analogy of a three-legged stool to demonstrate the main sources of retirement income:

• Company Pensions
• Social Security
• Personal Savings

Together, the three legs represent a stable source of income … but company pensions are on the endangered species list, with the number of employers offering company pensions shrinking from 114,000 in 1984 to 31,000 today.¹ And Social Security is feeling the squeeze as more Baby Boomers reach retirement.

What does this mean for you?

Because two-thirds of the retirement stool have all but vanished, it’s up to you to fund your retirement. Primerica can help you get started for as little as $25 per month. Sit down with your securities-licensed Primerica representative to learn the basics of investing – it’s never too late to get started – and plot your course to financial security in retirement!

Pay Yourself First

The first step to financial security isn’t more money. The first step is to put yourself at the head of the line. That means putting your family’s future ahead of the landlord, the electric company and all the other demands on your money. Primerica believes paying yourself first puts you in the best position to achieve financial security.

The Three Accounts You Need

To build a complete savings program, Primerica believes most people need three types of basic accounts:

1. Emergency Fund – for unexpected emergencies
2. Short-Term Savings – for big-ticket items like vacations or a computer
3. Long-Term Savings – for you retirement, college for the kids, etc.

Put Your Savings On Autopilot

If you’re not as disciplined as you want to be, try direct deposit. The temptation to spend can be irresistible … so why not take the money out of your wallet before you can spend it? Primerica makes it easy to help you arrange to have a set amount of your paycheck deposited directly into your savings or investment account.* Ask your Primerica representative for more information about direct deposit.

The High Cost of Waiting

The biggest mistake you can make is assuming you don't have any money to save. If you earn an income, it's simply a matter of how you're spending it. You can put some money aside each month — if you make saving for your future a priority. The longer you wait the more money you will need to save each month to make up for lost time.

The hypothetical illustrations are intended to demonstrate compounding at various rates and are not intended to illustrate the performance of any actual program. The hypothetical illustrations show a constant rate of return, whereas actual rates of return may fluctuate. Account values were obtained by using a nominal rate of return compounded monthly. Contributions are made at the beginning of the period.