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Retirement & Planning
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Waiting Can Be Costly

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Why Waiting Can Be Costly

Reinvesting earnings and keeping them invested to generate more earnings (compounding) helps offer a better chance of reaching your goals.

Watch this video and learn more about when to invest.

Need help? Call 888-213-4695.

When is the right time to invest

Compounding makes a lifelong difference.

Accumulated earnings at age 65


INVESTOR 1Invests $1,200 a year from age 40 to 65 25 years INVESTOR 2Invests $1,200 a year from age 18 to 65 47 years $0 $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $306,667 $69,787 Investment years: INVESTOR 1Invests $1,200 a year from age 40 to 65 25 years INVESTOR 2Invests $1,200 a year from age 18 to 65 47 years $0 $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $306,667 $69,787 Investment years:



The power of compounding

The sooner you get started, the more you’ll have time on your side. Enter an annual IRA contribution amount and the year you expect to retire.

$ Year Calculate

Open an account and start investing now.

Open an Account

Or call 866-855-9102.

Why starting early is smarter than timing the market—or saving only in cash.

You could have perfect timing, but that’s usually not the case. See how a hypothetical 20-year investment, whether it was made under poor or perfect market conditions, did much better than just saving in cash investments.


  • $182,665Perfect Timing
  • $169,742Invest Immediately
  • $148,760Bad Timing
  • $66,169Stay in Cash Investments

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