How We Help

Want a Secure Future? Better Make a Game Plan.

The personal savings rate, which has been suffering for decades, is hitting new lows. More than half of workers (56 percent) report that the total value of their savings and investments, excluding the value of their home and any defined benefit plans, is less than $25,000. (2011 EBRI Retirement Confidence Survey, EBRI.org)

But don’t let the numbers scare you. A retirement worth living, an education fund for your kids – these are all still achievable if you start now and follow through. Primerica can help you map out how to accomplish your goals. The sooner you start, the better off you’ll be.

What does this mean for you?

Because retirement resources are shrinking, it’s really up to you to build retirement savings that you can count on. Primerica can help you get started for as little as $50 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!

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 your 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.

*Not all employers may offer a direct deposit option to their employees.

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. It does not include fees or taxes, which would lower performance.