Question 1

How do I project investment growth?

Accepted Answer

Use contributions and an assumed annual rate with compounding to compute future value.

Question 2

What contribution timing should I pick?

Accepted Answer

End-of-period is standard; start-of-period earns one extra period and grows faster.

Question 3

How do I account for fees and inflation?

Accepted Answer

Subtract fees from the rate or model fee cash flows; adjust results with an inflation rate to see real value.

Question 4

What rate should I use?

Accepted Answer

Pick a conservative, long-term average net of fees that matches your asset mix.

Question 5

Can I solve for the contribution needed to hit a goal?

Accepted Answer

Yes—solve for PMT given target FV, rate, n, and starting balance.

Investment Calculator