Small moves. Big compounding.
Visualize how patience pays. Even small investments over time could grow into big wins.
Playing the long game: why time in the market beats timing the market
Use this calculator to compare how savings and investments could grow. Historically, savings rates have rarely topped 4%, while the U.S. stock market has averaged around 10% a year over the long run.
Higher returns always come with higher risk. On average, the market has dropped 20% or more every four to five years before recovering — and past performance never guarantees future results.
That’s why a smart strategy blends both: a diversified portfolio matched to your time horizon and risk tolerance for long-term growth, plus a cash cushion to ride out short-term downturns.
Initial (one-time)
$0Weekly Amount
$20Years
18 YearsAnnual Return
8%Total Invested
$18,720
Final Amount
$40,516
Growth Multiple
2x
Learn More About Time, Growth, and Risk
Your Relationship with Time
Discover why your second million comes so much faster than your first, and how a 10% average annual return can double your money every 7.2 years.
The Power of 1%
Here's why every additional 1% in returns can dramatically grow your portfolio.
Managing Investment Risk
You can't control the market or its volatility, but you should tailor your investment risk to your goals and de-risk other aspects of your finances that are completely within your control.