Investment Details
Stocks
7-10% avg return
Bonds
3-5% avg return
ETFs
6-8% avg return
Crypto
Variable return
$
$
%
years
Investment Projection
Future Value
$247,115
After 20 years
Total Contributions
$130,000
Investment Gain
$117,115
Total Return
90.1%
Annualized Return
8.0%
Growth Over Time
Double Investment
9 years
First $100K
7 years
First Million
32 years
Year-by-Year Breakdown
| Year | Starting Balance | Contribution | Interest Earned | Ending Balance | Total Gain |
|---|---|---|---|---|---|
| Year 1 | $10,000.00 | $6,000.00 | $1,040.00 | $17,040.00 | $1,040.00 |
| Year 2 | $17,040.00 | $6,000.00 | $1,804.80 | $24,844.80 | $1,804.80 |
| Year 3 | $24,844.80 | $6,000.00 | $2,630.78 | $33,475.58 | $2,630.78 |
| Year 4 | $33,475.58 | $6,000.00 | $3,518.06 | $42,993.64 | $3,518.06 |
| Year 5 | $42,993.64 | $6,000.00 | $4,467.16 | $53,460.80 | $4,467.16 |
Investment Strategies
Dollar-Cost Averaging
Invest a fixed amount regularly regardless of market conditions. This strategy helps reduce the impact of market volatility.
Reduces timing risk
Builds discipline
Lowers average cost
Diversification
Spread investments across different asset classes, sectors, and geographic regions to minimize risk.
Reduces portfolio risk
Smoother returns
Better risk-adjusted returns
Rebalancing
Periodically adjust your portfolio to maintain your target asset allocation as market values change.
Maintains risk level
Buy low, sell high
Disciplined approach