/biz/ - Business & Finance

>>52243674
>>52243591
If you deposit $400/month every month for 30 years:

>6% APR, 2% inflation: $396,289.26
>6% APR, 3% inflation: $392,441.79

>8% APR, 2% inflation: $588,743.21
>8% APR, 3% inflation: $583,027.25

>10% APR, 2% inflation: $894,245.23
>10% APR, 3% inflation: $885,563.23

>12% APR, 2% inflation: $1,384,672.07
>12% APR, 3% inflation: $1,371,228.65

Note that this is the same total amount deposited ($144,400), but having safe, consistent gains over the long term (and avoiding drawdowns) is crucial. You can literally make over 3x as much money long term if you're not stupid about it and have proper investing discipline.

These numbers account for inflation, but if you're smart, you'd find a way to add $25/month for each year that passes. You'd put down $275,650 that way, but the returns are just so much better:

>6% APR, 2% inflation: $650,405.00
>8% APR, 2% inflation: $921,487.15
>10% APR, 2% inflation: $1,339,523.26
>12% APR, 2% inflation: $1,993,322.62