Investment Calculator
Professional investment calculator
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Final Balance
Total Contributions
Total Interest
Real Value
| Year | Deposit | Interest | Balance |
|---|
Stocks
Shares of ownership in companies. Higher potential returns but more volatile.
Pros:
- High potential returns
- Liquidity
- Dividend income
Cons:
- High volatility
- Risk of loss
- Requires research
Bonds
Loans to corporations or governments. More stable with lower returns.
Pros:
- Stable income
- Lower risk
- Predictable returns
Cons:
- Lower returns
- Interest rate risk
- Inflation risk
Certificates of Deposit
Fixed-term deposits with guaranteed returns. Very safe but lower growth.
Pros:
- FDIC insured
- Guaranteed returns
- No risk
Cons:
- Low returns
- No liquidity
- Inflation risk
Real Estate
Physical properties or REITs. Good hedge against inflation.
Pros:
- Inflation hedge
- Rental income
- Tangible asset
Cons:
- High entry cost
- Illiquid
- Management required
Commodities
Raw materials like gold, oil, and agricultural products.
Pros:
- Inflation protection
- Portfolio diversification
- Tangible value
Cons:
- High volatility
- Storage costs
- No income generation
FAQ
Investment returns vary widely, but here are some general guidelines: S&P 500 historically averages about 10% annually, bonds typically return 3-4%.
Compound interest is interest earned on both your initial investment and previously earned interest. The more frequently interest compounds, the more your investment grows.
Saving involves putting money in low-risk accounts with guaranteed returns but lower growth. Investing involves taking on more risk for potentially higher returns over longer periods.
Diversification is key to minimizing risk. Spread your investments across different asset classes, industries, and regions. Don't put all your money in one investment.
The best time to start investing is as early as possible. Time is your greatest ally when it comes to compound growth. Even small amounts invested early can grow significantly over time.
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