Plan your investment growth with compound interest
One-time initial investment amount
Additional monthly investment amount
Historical S&P 500 average: ~10%, Conservative estimate: 6-8%
Fed target: 2%, Historical average: 2-3%
Long-term capital gains: 0%, 15%, or 20% based on income
Time is your friend: Starting early gives compound growth more time to work
Consistency matters: Regular contributions often beat timing the market
Diversify: Don't put all your money in one investment or sector
Consider tax advantages: Use 401(k), IRA, and other tax-advantaged accounts first