What is compound interest?

Compound interest is interest calculated on both your initial principal and the interest already accumulated. This means your money grows exponentially over time rather than linearly.

What is a realistic rate of return?

The S&P 500 has historically returned about 10 percent annually before inflation or about 7 percent adjusted for inflation. A diversified portfolio typically aims for 6 to 8 percent annually.

Why does compounding frequency matter?

The more frequently interest compounds the faster your money grows. Daily compounding yields slightly more than monthly which yields more than annual. Over long periods even small differences add up significantly.

How much should I invest per month?

Even small amounts invested consistently can grow substantially over time. Investing 500 dollars per month starting at age 30 with a 7 percent return results in approximately 1.2 million dollars by age 65.

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