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Is primerica financial services any good?


I'm opening an IRA with them can you give me any input in this company

I opened my Roth IRA about 3 years ago. The representative will ask you some questions to evaluate your market risk and your objectives. From this information, he/she will recommend some mutual funds to you. He/she must give you a prospectus, a booklet contain information about a certain mutual fund. He/she should tell you the difference between "A" shares vs "B" shares, tell you what the Letter of Intent is, the concept of Dollar Cost Averaging, sales charge breakpoints, and any other relevant information.

Lately, the stock market been going down. Some people will say they lost money. But in reality, they didn't lose or gain any money until they actually withdraw money from their investments. To me, I see this as a big advantage to the ordinary investor who is stuck with a fix income. Since price of mutual funds shares are low, people can buy more shares. I invest $333/month and I don't know when the price of these shares will be high or low. By investing every month for a long period of time, I lower the average cost of my shares.

If you want some facts about PFS in regards to investments, here they are:
1) They have over 25,000 registered representatives, making Primerica the largest mutual fund sales force in North America.
2) Clients have nearly $40 billion in assets under management through Primerica
3) They have won the Dalbar Service Award in mutual funds for the past 5 years. http://www.dalbar.com
4) They offer many mutual funds from different companies such as Legg Mason Partners, Van Kampen, Fidelity, American Fund Funds, and so on.

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