Investing early can make a world of difference when it comes to long term goals. The earlier you invest, the better you will be able to benefit from compounding - the ability of an asset to generate earnings which are then reinvested to generate their own earnings. In other words, earnings are generated from previous earnings.

1. The Power of Compounding
Consider this scenario for a moment, the individual on the left invested $2,000 a year for nine
years, a total of only $18,000 at which time she became disabled and stopped investing. Her friend
on the right took the disability as a wake up call and decided it was time to start her own $2,000 a
year investment program but she’s starting nine years later. At the age of 65, when they’re both
ready to retire, there is still a difference in their investments even after one of them invested
$70,000 over 35 years.
Procrastination can be costly.
Invested $2,000/year
from age 22 to 30 (9 years)
Invested $2,000/year
from age 31 to 65 (35 years)
T o ta l i n v e s t e d :
T o ta l i n v e s t e d :
$18,000
$70,000
P o s s i b l e Va l u e
at a g e 6 5 :
P o s s i b l e Va l u e
at a g e 6 5 :
$330,486
$331,641
Accumulations are before tax based on an annual compound rate of return of 7.5% invested at the beginning of each year.
SHANNON BOSCHY BFA, CFP
Mutual Funds Representative, Financial Security Advisor
Investors Group Financial Services Inc.
Financial Services Firm
Tel: (613) 282-5370
Shannon.Boschy@investorsgroup.com
Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by
The Great-West Life Assurance Company. Written and published by Investors Group as a general source of information only. Not intended as a solicitation to buy or sell specific investments, or to provide tax, legal or investment
advice. Seek advice on your specific circumstances from an Investors Group Consultant. Commissions, fees and
expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are
not guaranteed, values change frequently and past performance may not be repeated. The rate of return shown
is used only to illustrate the effects of the compound growth rate and is not intended to reflect future values or
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© Investors Group Inc. 2013 MP1329 (01/2013)