Invest for the Future

The Retirement Landscape Is Changing Rapidly

Ever since Social Security was introduced in 1937, it has served to keep many seniors financially afloat.4 When company pensions and personal savings and Social Security were combined, they formed a stable retirement funding for most people for decades.

More recently, the aging of the U.S. population — where seniors are living and drawing Social Security benefits for considerably longer than their parents did — paired with the decline of company pensions is forcing in a rethinking of how to fund a successful retirement.

Because seniors are living much longer in retirement and Social Security is a “pay as you go” program, the number of workers supporting each retiree has shrunk from 5.1 in 1960 to around 2.9 today.5 That has resulted in a situation where, without major changes, Social Security will deplete its trust fund reserves by the year 2033.6

What Does This Mean for You?

Because retirement resources are shrinking, it’s really up to you to build 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.

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.

Don't Make This Mistake

Invest $100/month at 9% until age 67
Begin saving at  Total at 67 Cost to Wait
Age 25 $566,920  
Age 26 $517,150


Age 30 $357,240


Age 40 $137,780


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