Build your Private Reserve
Choose your funding pace — see the difference at age 100
The same total contribution paid over 5 years builds dramatically more wealth by age 100 than paid over 20 years. Enter your details, choose your funding pace, and see exactly how much the speed of funding changes your long-term position.
Your current age
Total amount to contribute
How much in total you plan to put in
$
Assumed annual growth rate
%
Policy loan interest rate
%
Choose your funding pace — same total, different speed
Or enter a custom contribution period:
Custom pay years
Annual contribution
$
✓
Show all three funding speeds side by side
Planned loan events (optional)
📈 One-time investment opportunity
Take a loan from your Private Reserve to grab a stock opportunity. Your policy keeps compounding uninterrupted — see both engines running simultaneously. Leave blank to skip.
Loan in policy yearWhich year you borrow
Loan amountHow much you borrow from PRS
$
Investment return rateExpected annual return on stocks
%
Your Private Reserve at age 100
Cash value at age 100 with your chosen funding pace
$0
Uninterrupted compounding — contributions stop, growth never does
The funding speed advantage — same money, different outcome at age 100
Accumulation curve — age 35 to 100
Solid line = selected pace · Dashed lines = other funding speeds for comparison
Total contributed
—
Over your pay period
Total growth generated
—
Compounding to age 100
Break-even age
—
When CV first exceeds total contributions
Total loans taken
—
Capital deployed
Net free cash value
—
CV minus any outstanding loans
Growth multiplier
—
× return on total contributions
⚖️ Private Reserve — four rules for maximum effectiveness
1
Always pay at least the interest on outstanding loans — never allow unpaid interest to accumulate against the cash value
2
Never borrow more than 50% of the current surrender value at any time — maintain the compounding base
3
No loans in the first policy year — the cash value needs time to build before any borrowing begins
4
Keep approximately 15% of your investable assets liquid outside the strategy — the Private Reserve is not your emergency fund