Investment Rate

40000
10%
Interest
$4,030 $12,497 $25,847 $44,573 $69,216 $100,373
Principal
$40,000 $80,000 $120,000 $160,000 $200,000 $240,000
Cum ret
$44,030 $92,497 $145,847 $204,573 $269,216 $340,373
Year
1
2
3
4
5
6
1
$44,030 $48,467 $53,350 $58,726 $64,643 $71,156
2
$44,030 $48,467 $53,350 $58,726 $64,643
3
$44,030 $48,467 $53,350 $58,726
4
$44,030 $48,467 $53,350
5
$44,030 $48,467
6
$44,030
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31

$138,699
$280,000
$418,699
7
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$184,917
$320,000
$504,917
8
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$239,822
$360,000
$599,822
9
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$304,290
$400,000
$704,290
10
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$379,284
$440,000
$819,284
11
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$465,864
$480,000
$945,864
12
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$565,199
$520,000
$1,085,199
13
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$678,573
$560,000
$1,238,573
14
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$807,401
$600,000
$1,407,401
15
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$953,240
$640,000
$1,593,240
16
$185,839
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$1,117,803
$680,000
$1,797,803
17
$204,564
$185,839
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$1,302,979
$720,000
$2,022,979
18
$225,175
$204,564
$185,839
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$1,510,843
$760,000
$2,270,843
19
$247,864
$225,175
$204,564
$185,839
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$1,743,681
$800,000
$2,543,681
20
$272,838
$247,864
$225,175
$204,564
$185,839
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$2,004,010
$840,000
$2,844,010
21
$300,329
$272,838
$247,864
$225,175
$204,564
$185,839
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$2,294,600
$880,000
$3,174,600
22
$330,590
$300,329
$272,838
$247,864
$225,175
$204,564
$185,839
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$2,618,501
$920,000
$3,538,501
23
$363,900
$330,590
$300,329
$272,838
$247,864
$225,175
$204,564
$185,839
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$2,979,067
$960,000
$3,939,067
24
$400,566
$363,900
$330,590
$300,329
$272,838
$247,864
$225,175
$204,564
$185,839
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$3,379,994
$1,000,000
$4,379,994
25
$440,927
$400,566
$363,900
$330,590
$300,329
$272,838
$247,864
$225,175
$204,564
$185,839
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$3,825,348
$1,040,000
$4,865,348
26
$485,354
$440,927
$400,566
$363,900
$330,590
$300,329
$272,838
$247,864
$225,175
$204,564
$185,839
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$4,319,607
$1,080,000
$5,399,607
27
$534,258
$485,354
$440,927
$400,566
$363,900
$330,590
$300,329
$272,838
$247,864
$225,175
$204,564
$185,839
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$4,867,696
$1,120,000
$5,987,696
28
$588,090
$534,258
$485,354
$440,927
$400,566
$363,900
$330,590
$300,329
$272,838
$247,864
$225,175
$204,564
$185,839
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$5,475,041
$1,160,000
$6,635,041
29
$647,345
$588,090
$534,258
$485,354
$440,927
$400,566
$363,900
$330,590
$300,329
$272,838
$247,864
$225,175
$204,564
$185,839
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$6,147,612
$1,200,000
$7,347,612
30
$712,571
$647,345
$588,090
$534,258
$485,354
$440,927
$400,566
$363,900
$330,590
$300,329
$272,838
$247,864
$225,175
$204,564
$185,839
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$6,891,981
$1,240,000
$8,131,981
31
$784,369
$712,571
$647,345
$588,090
$534,258
$485,354
$440,927
$400,566
$363,900
$330,590
$300,329
$272,838
$247,864
$225,175
$204,564
$185,839
$168,828
$153,374
$139,335
$126,581
$114,994
$104,468
$94,905
$86,218
$78,326
$71,156
$64,643
$58,726
$53,350
$48,467
$44,030

$784,369
$1,496,940
$2,144,285
$2,732,375
$3,266,633
$3,751,987
$4,192,914
$4,593,481
$4,957,381
$5,287,971
$5,588,300
$5,861,139
$6,109,002
$6,334,178
$6,538,742
$6,724,580
$6,893,408
$7,046,782
$7,186,117
$7,312,698
$7,427,691
$7,532,159
$7,627,065
$7,713,283
$7,791,609
$7,862,765
$7,927,408
$7,986,134
$8,039,484
$8,087,951
$8,131,981

amt lost @ 31 year mark by stopping contributions a

90.35%
81.59%
73.63%
66.40%
59.83%
53.86%
48.44%
43.51%
39.04%
34.97%
31.28%
27.92%
24.88%
22.11%
19.59%
17.31%
15.23%
13.34%
11.63%
10.07%
8.66%
7.38%
6.21%
5.15%
4.19%
3.31%
2.52%
1.79%
1.14%
0.54%
0.00%

y stopping contributions after this year

Performance
Additional Details
Morningstar Ratings

Balanced

Period %

Fund Name

Overall
Morningst
ar Rating

Vngrd Trgt Rtrmt 2010

fact sheet | prospectus

Vngrd Trgt Rtrmt 2015

fact sheet | prospectus

INDEX:

11.03

7.55 n/a

1.95

2.92

3.5

6.19 n/a

3.57

11.2

12.66

7.75 n/a

3.79

12.67

14.36

7.94 n/a

4.14

14.18

16.07

8.22 n/a

4.31

15.1

17.05

8.46 n/a

4.29

15.08

17.07

8.44 n/a

4.29

15.07

17.03

8.44 n/a

4.28

15.09

17.02 n/a

4.2

14.36

16.87

7.87

6.84

3.18

10.34

11.92

6.94

5.92

4.99

17.8

20.93

8.32

7.38

2.14

6.15

7.02

5.84

5.03

2.19

14.8

16.75

10.4

9.07

3.34

13.19

18.48

8.85 n/a

3.55

9.78

11.47

8.56

n/a

more
|

fact sheet | prospectus

WR Ivy Asst Strat I

9.7

more

fact sheet | prospectus

TRowePr Cap App

3.29

more

fact sheet | prospectus

NW Inv Dest Mod Cnsrv Inst

7.27 n/a

more

fact sheet | prospectus

NW Inv Dest Aggr Inst

8.9

more

fact sheet | prospectus

NW Inv Dest Mod Inst

7.81

more

fact sheet | prospectus

NW Inv Dest Mod Aggr Inst

2.86

more

fact sheet | prospectus

Vngrd Trgt Rtrmt 2055

6.76 n/a

more

fact sheet | prospectus

Vngrd Trgt Rtrmt 2050

6.12

more

fact sheet | prospectus

Vngrd Trgt Rtrmt 2045

5.2

more

fact sheet | prospectus

Vngrd Trgt Rtrmt 2040

2.36

more

fact sheet | prospectus

Vngrd Trgt Rtrmt 2035

10 yr

more

fact sheet | prospectus

Vngrd Trgt Rtrmt 2030

5 yr

more

fact sheet | prospectus

Vngrd Trgt Rtrmt 2025

1 yr

more

fact sheet | prospectus

Vngrd Trgt Rtrmt Inc

YTD

more

fact sheet | prospectus

Vngrd Trgt Rtrmt 2020

MTH

Average Annual Return %

more
|
more
7.66

3.55

9.78

11.47

8.56

7.66

1.24

-2.31

-1.59

7.71

4.63

0.95

3.54

7.28

11.85

9.14

1.18

-1.43

0.43

8.56

6.72

0.95

-1.89

-1.68

5.41

4.59

-0.05

-0.38

-0.5

-0.26

1.3

0.04

0.07

0.15

1.61

6.86

11.45

17.57

6.87

9.27

8.76

3.65

12.7

3.29

9.88

8.04

30.13

29.17

14.5

11.72

8.71

4.5

9.2

7.39

16.14

23.77

6.35

3.08

19.22

18.58

9.37 n/a

5.87

27.86

32.07

13.79

9.74

3.46

21.52

21.1

9.81

6.1

2.59

16.25

16.68

8.83

8.32

3.14

19.79

19.34

10.02

7.57

Balanced Benchmark

Bonds
Vngrd IntmdTrmInvmtGrd Inv

fact sheet | prospectus

Prncpl Hi Yld Inst

more
|

fact sheet | prospectus

FidAdv Strat Inc I

more
|

fact sheet | prospectus

more

INDEX:
Lehman Bros Agg Bd

Cash
Drey Inst Prfrd MnyMkt Prm
fact sheet | prospectus

-----

(7-day current yield =-0.55)**

INDEX:
3 Mos. T-Bill

International Stocks
AmFds EuroPacfc Gr R6

fact sheet | prospectus

Jns Ovrseas I

more
|

fact sheet | prospectus

Opp Glbl Oppr Y

more
|

fact sheet | prospectus

Opp Devl Mkt Y

more
|

fact sheet | prospectus

11.32 n/a

more

INDEX:

8.01

EAFE

Large-Cap Stocks

Vngrd 500 Indx Sgnl

fact sheet | prospectus

AmFds New Econ R6

more
|

fact sheet | prospectus

Clvrt Soc Indx I

more
|

fact sheet | prospectus

Prncpl Eq Inc I Inst
fact sheet | prospectus
INDEX:

more
|
more

3.14

19.79

19.34

10.02

7.57

5.04

23.39

25.72

12.34 n/a

5.12

22.44

26.6

12.1

9.93

4.07

22.85

27.36

11.18

10.4

5.21

23.23

27.68

13.08

10.84

5.66

26.06

29.37

12.58 n/a

9.49

48.17

41.82

18.02

12.66

5.6

26.61

31.78

11.88

9.91

6.38

27.69

30.06

11.15

9.64

-10.32

-43.06

-50.67

-3.11

2.8

3.63

0.9

3.83

5.18

9.13

7.75

34.74

36.7

S&P 500

Mid-Cap Stocks
Vngrd MdCap Gr Indx Inv

fact sheet | prospectus

Prncpl MdCapSP400Indx Inst

more
|

fact sheet | prospectus

GdmnScs MdCap Val Inst

more
|

fact sheet | prospectus

more

INDEX:
S&P 400

Small-Cap Stocks
Vngrd SmCap Indx Sgnl

fact sheet | prospectus

LrdAbt Devl Gr I

more
|

fact sheet | prospectus

AmBcn SmCap Val Inst

more
|

fact sheet | prospectus

more

INDEX:
Russell 2000

Specialty
AmCent Glbl Gold Inst

fact sheet | prospectus

DWS RREEF RealEst Sec Inst

more
|

fact sheet | prospectus

WR Ivy Scnc Tech I
fact sheet | prospectus

more
|
more

16.54 n/a

Performance

ditional Details

ningstar Ratings

ual Return %

Since

Inception

Gross

Net

Inception

Date

Expense
Ratio %

Asset
Fee %

5.11

6/7/2006

0.16

0.6

5.63

10/27/2003

0.16

0.6

5.3

6/7/2006

0.16

0.6

4.9

10/27/2003

0.16

0.6

5.89

10/27/2003

0.17

0.6

5.23

6/7/2006

0.17

0.6

6.39

10/27/2003

0.18

0.6

5.38

6/7/2006

0.18

0.6

6.81

10/27/2003

0.18

0.6

5.44

6/7/2006

0.18

0.6

13.25

8/18/2010

0.18

0.6

3.44

3/30/2000

0.46

0.6

3.62

3/30/2000

0.46

0.6

3.14

3/30/2000

0.47

0.6

3.67

3/30/2000

0.47

0.6

10.9

6/30/1986

0.73

0.45

8.4

4/2/2007

0.74

0.5

5.52

11/1/1993

0.2

0.6

7.84

4/8/1998

0.59

0.5

7.92

10/31/1994

0.75

0.35

2.24

6/11/1997 n/a

0.6

11.18

4/16/1984

0.5

0.6

9.17

5/2/1994

0.63

0.6

7.12

2/1/2001

0.93

0.4

11.71

9/7/2005

1.03

0.4

4.97

9/29/2006

0.05

0.6

11.02

12/1/1983

0.49

0.6

1.1

6/30/2000

0.51

0.6

8.26

5/31/1939

0.52

0.5

7.3

8/24/2006

0.24

0.6

7.84

12/6/2000

0.25

0.6

11.08

8/1/1995

0.75

0.45

6.84

12/15/2006

0.1

0.6

8.19

12/30/1997

0.77

0.5

10.49

12/31/1998

0.92

0.6

8/17/1988

0.49

0.45

12.12

12/1/1999

0.6

0.5

12.64

4/2/2007

1.04

0.5

YearBeginning Price Ending Price

68.56
90.19
1975
90.19
107.46
1976
107.46
95.1
1977
95.1
96.73
1978
96.73
107.94
1979
107.94
135.76
1980
135.76
122.55
1981
122.55
140.64
1982
140.64
164.93
1983
164.93
167.24
1984
167.24
211.28
1985
211.28
242.17
1986
242.17
247.08
1987
247.08
277.72
1988
277.72
353.4
1989
353.4
330.22
1990
330.22
417.09
1991
417.09
435.71
1992
435.71
466.45
1993
466.45
459.27
1994
459.27
615.93
1995
615.93
740.74
1996
740.74
970.43
1997
970.43
1229.23
1998
1229.23
1469.25
1999
1469.25
1320.28
2000
1320.28
1148.08
2001
1148.08
879.82
2002
879.82
1111.92
2003
1111.92
1211.92
2004
1211.92
1248.29
2005
1248.29
1418.3
2006
1418.3
1468.36
2007
1468.36
903.25
2008
903.25
1115.1
2009
1115.1
1257.64
2010
1257.64
1257.6
2011
1257.6
1426.19
2012
http://www.1stock1.com/1stock1_141.htm

Gain or Loss
21.63
19.15
-12.36
1.63
11.21
27.82
-13.21
18.09
24.29
2.31
44.04
30.89
4.91
30.64
75.68
-23.18
86.87
18.62
30.74
-7.18
156.66
124.81
229.69
258.8
240.02
-148.97
-172.2
-268.26
232.1
100
36.37
170.01
50.06
-565.11
211.85
142.54
-0.04
168.59

31.55%

19.15%

-11.50%

1.71%

Percent Gain or Loss 3 year

31.55%
19.15%
-11.50%
1.71%
11.59%
25.77%
-9.73%
14.76%
17.27%
1.40%
26.33%
14.62%
2.03%
12.40%
27.25%
-6.56%
26.31%
4.46%
7.06%
-1.54%
34.11%
20.26%
31.01%
26.67%
19.53%
-10.14%
-13.04%
-23.37%
26.38%
8.99%
3.00%
13.62%
3.53%
-38.49%
23.45%
12.78%
0.00%
13.41%

5 years

13.07%
3.12%
0.60%
13.02%
9.21%
10.27%
7.43%
11.14%
15.00%
14.12%
14.33%
9.68%
13.89%
11.03%
15.67%
8.07%
12.61%
3.33%
13.21%
17.61%
28.46%
25.98%
25.74%
12.02%
-1.22%
-15.52%
-3.34%
4.00%
12.79%
8.54%
6.72%
-7.11%
-3.84%
-0.75%
12.08%
8.73%

chances of losing money over this period of time 16.67%

7 years

10.50%
9.34%
3.57%
8.82%
11.93%
9.89%
10.01%
14.88%
12.33%
11.36%
16.53%
9.95%
12.29%
12.77%
11.70%
5.95%
14.08%
12.87%
18.18%
22.10%
26.32%
17.47%
10.81%
-0.07%
-0.13%
-2.24%
0.39%
5.72%
11.10%
-1.87%
1.02%
2.98%
0.25%
2.23%

9.79%
7.39%
7.12%
8.97%
12.48%
12.92%
9.53%
12.69%
14.47%
11.07%
14.63%
11.50%
10.42%
9.91%
13.01%
12.01%
17.38%
17.43%
19.59%
17.13%
15.49%
7.27%
8.15%
5.00%
1.62%
0.78%
2.73%
-0.91%
5.78%
3.84%
2.56%
4.04%

10 years

10.20%
9.68%
9.22%
10.58%
11.64%
13.21%
9.98%
13.58%
12.55%
11.53%
11.24%
12.01%
12.58%
15.48%
16.90%
16.13%
15.77%
11.84%
9.06%
10.99%
12.04%
8.93%
8.27%
5.52%
-1.00%
-0.61%
1.69%
2.99%
6.67%

15 years

12.31%
9.77%
10.24%
11.31%
11.66%
10.79%
11.34%
13.34%
14.43%
15.05%
16.26%
13.83%
11.99%
10.29%
11.23%
10.01%
10.65%
9.80%
9.74%
6.70%
8.37%
6.95%
5.59%
4.42%

11.76% 3.12500% 6.89655% 0.00000%

11.59%

25.77%

-9.73%

14.76%

17.27%

1.40%

1975-2012

9.63%

26.33%

14.62%

2.03%

12.40%

27.25%

-6.56%

26.31%

4.46%

7.06%

-1.54%

34.11%

20.26%

31.01%

26.67%

19.53%

-10.14%

-13.04%

-23.37%

26.38%

8.99%

3.00%

13.62%

3.53%

-38.49%

23.45%

12.78%

0.00%

9.60%

13.41%

9.60%

Investment
rate
Interest
Principal
Cum ret
Year
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31

Investment
$40,000 $40,000 $40,000 $40,000 $40,000 $40,000
14.76%
17.27%
1.40%
26.33%
14.62%
2.03%
$6,362 $22,642 $24,653 $80,274 $124,397 $131,869
$40,000 $80,000 $120,000 $160,000 $200,000 $240,000
$46,362 $102,642 $144,653 $240,274 $324,397 $371,869
1
2
3
4
5
6
$46,362 $55,102 $55,878 $72,710 $84,157 $85,882
$47,540 $48,211 $62,732 $72,608 $74,097
$40,564 $52,782 $61,092 $62,345
$52,049 $60,243 $61,478
$46,297 $47,247
$40,820

$40,000
12.40%
$186,243
$280,000
$466,243
7
$97,220
$83,879
$70,575
$69,594
$53,484
$46,209
$45,281

$40,000
27.25%
$344,820
$320,000
$664,820
8
$127,674
$110,154
$92,682
$91,394
$70,237
$60,684
$59,464
$52,530

$40,000
-6.56%
$300,068
$360,000
$660,068
9
$119,567
$103,160
$86,798
$85,591
$65,778
$56,831
$55,689
$49,194
$37,460

$40,000
26.31%
$510,758
$400,000
$910,758
10
$155,552
$134,206
$112,920
$111,350
$85,574
$73,934
$72,449
$64,000
$48,734
$52,038

$40,000
4.46%
$554,121
$440,000
$994,121
11
$162,647
$140,328
$118,070
$116,429
$89,477
$77,307
$75,753
$66,919
$50,957
$54,412
$41,824

$40,000
7.06%
$629,769
$480,000
$1,109,769
12
$174,544
$150,593
$126,707
$124,946
$96,022
$82,962
$81,295
$71,814
$54,684
$58,392
$44,884
$42,926

$40,000
-1.54%
$612,198
$520,000
$1,132,198
13
$171,877
$148,291
$124,771
$123,036
$94,555
$81,694
$80,052
$70,717
$53,849
$57,500
$44,198
$42,270
$39,389

$40,000
34.11%
$1,088,690
$560,000
$1,648,690
14
$241,744
$208,571
$175,490
$173,050
$132,991
$114,902
$112,593
$99,462
$75,738
$80,873
$62,164
$59,453
$55,400
$56,260

$40,000
20.26%
$1,467,940
$600,000
$2,067,940
15
$296,036
$255,412
$214,901
$211,914
$162,858
$140,707
$137,879
$121,800
$92,747
$99,036
$76,125
$72,805
$67,842
$68,895
$48,983

$40,000
31.01%
$2,234,306
$640,000
$2,874,306
16
$403,663
$348,270
$293,031
$288,957
$222,067
$191,863
$188,007
$166,082
$126,467
$135,041
$103,801
$99,274
$92,507
$93,942
$66,792
$54,542

$40,000
26.67%
$3,125,060
$680,000
$3,805,060
17
$527,042
$454,719
$382,596
$377,277
$289,942
$250,505
$245,471
$216,844
$165,121
$176,316
$135,528
$129,616
$120,781
$122,655
$87,207
$71,213
$52,226

$40,000
19.53%
$3,954,346
$720,000
$4,674,346
18
$640,712
$552,791
$465,113
$458,646
$352,475
$304,533
$298,413
$263,612
$200,734
$214,343
$164,758
$157,572
$146,831
$149,109
$106,015
$86,572
$63,490
$48,627

$40,000
-10.14%
$3,499,748
$760,000
$4,259,748
19
$578,929
$499,486
$420,262
$414,420
$318,486
$275,167
$269,638
$238,193
$181,377
$193,675
$148,871
$142,377
$132,672
$134,731
$95,792
$78,224
$57,368
$43,938
$36,143

$40,000
-13.04%
$2,974,080
$800,000
$3,774,080
20
$508,151
$438,421
$368,883
$363,755
$279,550
$241,527
$236,673
$209,072
$159,203
$169,997
$130,671
$124,971
$116,452
$118,259
$84,081
$68,661
$50,354
$38,566
$31,724
$35,110

$40,000
-23.37%
$2,179,223
$840,000
$3,019,223
21
$402,252
$347,054
$292,007
$287,948
$221,291
$191,192
$187,350
$165,501
$126,025
$134,569
$103,439
$98,927
$92,183
$93,614
$66,558
$54,352
$39,860
$30,529
$25,113
$27,793
$31,664

$40,000
26.38%
$3,102,703
$880,000
$3,982,703
22
$523,679
$451,818
$380,155
$374,870
$288,092
$248,907
$243,905
$215,461
$164,068
$175,191
$134,664
$128,790
$120,011
$121,873
$86,650
$70,759
$51,893
$39,745
$32,694
$36,183
$41,222
$52,075

$40,000
8.99%
$3,481,098
$920,000
$4,401,098
23
$572,939
$494,318
$415,914
$410,132
$315,191
$272,320
$266,848
$235,728
$179,501
$191,671
$147,331
$140,904
$131,299
$133,337
$94,801
$77,415
$56,774
$43,483
$35,769
$39,586
$45,100
$56,973
$43,763

$40,000
3.00%
$3,616,350
$960,000
$4,576,350
24
$590,388
$509,372
$428,581
$422,623
$324,790
$280,614
$274,975
$242,907
$184,967
$197,508
$151,818
$145,195
$135,298
$137,398
$97,688
$79,773
$58,503
$44,808
$36,858
$40,792
$46,473
$58,708
$45,095
$41,218

$40,000
13.62%
$4,289,926
$1,000,000
$5,289,926
25
$676,532
$583,696
$491,116
$484,288
$372,181
$321,558
$315,097
$278,350
$211,956
$226,327
$173,969
$166,381
$155,039
$157,446
$111,942
$91,412
$67,039
$51,346
$42,236
$46,744
$53,254
$67,274
$51,675
$47,232
$45,836

$40,000
3.53%
$4,481,433
$1,040,000
$5,521,433
26
$700,840
$604,668
$508,762
$501,689
$385,553
$333,112
$326,418
$288,351
$219,572
$234,459
$180,220
$172,359
$160,610
$163,103
$115,964
$94,697
$69,448
$53,190
$43,754
$48,423
$55,168
$69,692
$53,532
$48,929
$47,483
$41,437

$40,000
-38.49%
$2,704,659
$1,080,000
$3,784,659
27
$476,935
$411,488
$346,222
$341,408
$262,376
$226,689
$222,134
$196,228
$149,423
$159,554
$122,643
$117,294
$109,298
$110,994
$78,916
$64,443
$47,261
$36,197
$29,775
$32,953
$37,543
$47,426
$36,430
$33,297
$32,313
$28,199
$27,221

$40,000
23.45%
$3,715,427
$1,120,000
$4,835,427
28
$602,977
$520,234
$437,720
$431,635
$331,716
$286,598
$280,838
$248,087
$188,912
$201,720
$155,055
$148,291
$138,183
$140,328
$99,771
$81,474
$59,751
$45,763
$37,644
$41,662
$47,464
$59,960
$46,057
$42,097
$40,853
$35,651
$34,415
$50,571

$40,000
12.78%
$4,380,073
$1,160,000
$5,540,073
29
$685,179
$591,156
$497,393
$490,478
$376,938
$325,668
$319,124
$281,908
$214,665
$229,219
$176,193
$168,507
$157,021
$159,458
$113,373
$92,581
$67,896
$52,002
$42,776
$47,341
$53,935
$68,134
$52,336
$47,836
$46,422
$40,511
$39,106
$57,465
$45,453

$40,000
0.00%
$4,380,073
$1,200,000
$5,580,073
30
$685,179
$591,156
$497,393
$490,478
$376,938
$325,668
$319,124
$281,908
$214,665
$229,219
$176,193
$168,507
$157,021
$159,458
$113,373
$92,581
$67,896
$52,002
$42,776
$47,341
$53,935
$68,134
$52,336
$47,836
$46,422
$40,511
$39,106
$57,465
$45,453
$40,000

$40,000
13.41%
$5,186,593
$1,240,000
$6,426,593
31
$783,507
$675,991
$568,772
$560,865
$431,031
$372,404
$364,920
$322,363
$245,471
$262,114
$201,478
$192,689
$179,555
$182,341
$129,642
$105,867
$77,640
$59,464
$48,915
$54,135
$61,675
$77,912
$59,846
$54,701
$53,084
$46,325
$44,718
$65,712
$51,976
$45,740
$45,740

$783,507
$1,459,497
$2,028,269
$2,589,134
$3,020,165
$3,392,569
$3,757,489
$4,079,853
$4,325,324
$4,587,438
$4,788,915
$4,981,605
$5,161,159
$5,343,501
$5,473,143
$5,579,010
$5,656,649
$5,716,114
$5,765,029
$5,819,163
$5,880,839
$5,958,751
$6,018,597
$6,073,298
$6,126,382
$6,172,707
$6,217,425
$6,283,137
$6,335,113
$6,380,853
$6,426,593

amt lost @ 31 year mark by stopping contribution

87.81%
77.29%
68.44%
59.71%
53.01%
47.21%
41.53%
36.52%
32.70%
28.62%
25.48%
22.48%
19.69%
16.85%
14.84%
13.19%
11.98%
11.06%
10.29%
9.45%
8.49%
7.28%
6.35%
5.50%
4.67%
3.95%
3.25%
2.23%
1.42%
0.71%
0.00%

year mark by stopping contributions after this year

Investment
rate
Interest
Principal
Cum ret
Year
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31

Investment
$22,000
22.00%
-$12,586
$40,000
$27,414
1
$27,414

$30,000 $40,000 $40,000 $40,000 $40,000

23.00% -18.00%
26.33%
29.00%
-5.00%
-$7,739 -$26,232 $14,061 $86,078 $70,175
$80,000 $120,000 $160,000 $200,000 $240,000
$72,261 $93,768 $174,061 $286,078 $310,175
2
3
4
5
6
$34,503 $28,819 $37,500 $50,116 $47,672
$37,758 $31,538 $41,038 $54,844 $52,169
$33,411 $43,475 $58,101 $55,267
$52,049 $69,559 $66,167
$53,457 $50,850
$38,049

$40,000
28.00%
$183,326
$280,000
$463,326
7
$63,076
$69,027
$73,126
$87,547
$67,281
$50,344
$52,925

$40,000
27.25%
$340,990
$320,000
$660,990
8
$82,834
$90,649
$96,032
$114,971
$88,356
$66,114
$69,504
$52,530

$40,000
35.00%
$634,752
$360,000
$994,752
9
$117,547
$128,637
$136,276
$163,152
$125,384
$93,820
$98,630
$74,543
$56,763

$40,000
$40,000
26.31%
12.00%
$946,168 $1,122,900
$400,000
$440,000
$1,346,168 $1,562,900
10
11
$152,924
$172,422
$167,352
$188,688
$177,289
$199,892
$212,253
$239,315
$163,119
$183,916
$122,056
$137,618
$128,314
$144,673
$96,978
$109,342
$73,846
$83,261
$52,038
$58,673
$45,100

$40,000
7.06%
$1,240,155
$480,000
$1,720,155
12
$185,035
$202,491
$214,515
$256,821
$197,370
$147,685
$155,257
$117,340
$89,352
$62,965
$48,399
$42,926

$40,000
-1.54%
$1,213,257
$520,000
$1,733,257
13
$182,207
$199,397
$211,237
$252,896
$194,354
$145,428
$152,884
$115,547
$87,986
$62,003
$47,659
$42,270
$39,389

$40,000
34.11%
$1,934,074
$560,000
$2,494,074
14
$256,273
$280,451
$297,103
$355,697
$273,357
$204,543
$215,030
$162,516
$123,752
$87,207
$67,033
$59,453
$55,400
$56,260

$40,000
20.26%
$2,503,183
$600,000
$3,103,183
15
$313,827
$343,435
$363,827
$435,580
$334,748
$250,480
$263,322
$199,015
$151,545
$106,792
$82,087
$72,805
$67,842
$68,895
$48,983

$40,000
22.00%
$3,276,648
$640,000
$3,916,648
16
$391,053
$427,946
$453,357
$542,767
$417,122
$312,117
$328,120
$247,988
$188,836
$133,071
$102,287
$90,720
$84,536
$85,848
$61,037
$49,843

$40,000
26.67%
$4,485,992
$680,000
$5,165,992
17
$510,578
$558,747
$591,925
$708,663
$544,615
$407,516
$428,409
$323,785
$246,554
$173,743
$133,550
$118,449
$110,375
$112,087
$79,693
$65,078
$52,226

$40,000
19.53%
$5,608,797
$720,000
$6,328,797
18
$620,697
$679,256
$719,588
$861,504
$662,075
$495,407
$520,807
$393,617
$299,729
$211,216
$162,354
$143,995
$134,180
$136,262
$96,881
$79,113
$63,490
$48,627

$40,000
-4.00%
$5,359,073
$760,000
$6,119,073
19
$596,359
$652,622
$691,373
$827,724
$636,115
$475,982
$500,386
$378,183
$287,977
$202,934
$155,988
$138,349
$128,918
$130,919
$93,082
$76,011
$61,000
$46,720
$38,432

$40,000
1.00%
$5,420,973
$800,000
$6,220,973
20
$602,352
$659,180
$698,321
$836,043
$642,508
$480,765
$505,415
$381,984
$290,871
$204,973
$157,556
$139,739
$130,214
$132,235
$94,017
$76,775
$61,613
$47,190
$38,818
$40,402

$40,000
4.00%
$5,676,488
$840,000
$6,516,488
21
$626,935
$686,082
$726,820
$870,162
$668,729
$500,386
$526,041
$397,573
$302,742
$213,338
$163,986
$145,442
$135,528
$137,631
$97,854
$79,908
$64,128
$49,116
$40,402
$42,051
$41,632

$40,000
26.38%
$7,655,681
$880,000
$8,535,681
22
$816,186
$893,188
$946,224
$1,132,836
$870,597
$651,436
$684,836
$517,588
$394,129
$277,738
$213,488
$189,347
$176,440
$179,178
$127,393
$104,030
$83,486
$63,942
$52,598
$54,745
$54,200
$52,075

$40,000
15.00%
$9,043,520
$920,000
$9,963,520
23
$948,273
$1,037,737
$1,099,356
$1,316,168
$1,011,490
$756,861
$795,666
$601,351
$457,913
$322,686
$248,037
$219,989
$204,994
$208,175
$148,010
$120,866
$96,997
$74,290
$61,110
$63,604
$62,971
$60,502
$46,473

$40,000
7.00%
$9,768,857
$960,000
$10,728,857
24
$1,017,031
$1,112,981
$1,179,068
$1,411,601
$1,084,831
$811,739
$853,358
$644,954
$491,116
$346,083
$266,022
$235,940
$219,857
$223,269
$158,742
$129,629
$104,030
$79,677
$65,541
$68,216
$67,537
$64,889
$49,843
$42,900

$40,000
13.62%
$11,340,152
$1,000,000
$12,340,152
25
$1,165,427
$1,275,377
$1,351,107
$1,617,569
$1,243,120
$930,181
$977,873
$739,060
$562,775
$396,581
$304,838
$270,367
$251,937
$255,847
$181,904
$148,544
$119,209
$91,303
$75,104
$78,169
$77,392
$74,357
$57,116
$49,160
$45,836

$40,000
19.00%
$13,930,694
$1,040,000
$14,970,694
26
$1,409,292
$1,542,250
$1,633,825
$1,956,044
$1,503,242
$1,124,821
$1,182,492
$893,708
$680,535
$479,565
$368,625
$326,941
$304,655
$309,383
$219,967
$179,626
$144,154
$110,408
$90,820
$94,526
$93,586
$89,916
$69,067
$59,447
$55,428
$48,370

$40,000
4.00%
$14,543,292
$1,080,000
$15,623,292
27
$1,466,806
$1,605,190
$1,700,503
$2,035,872
$1,564,591
$1,170,726
$1,230,751
$930,181
$708,308
$499,136
$383,669
$340,284
$317,088
$322,009
$228,944
$186,957
$150,037
$114,913
$94,526
$98,384
$97,405
$93,586
$71,886
$61,873
$57,690
$50,344
$41,632

$40,000
15.00%
$17,078,148
$1,120,000
$18,198,148
28
$1,704,185
$1,864,965
$1,975,703
$2,365,346
$1,817,795
$1,360,190
$1,429,928
$1,080,716
$822,937
$579,914
$445,759
$395,353
$368,404
$374,121
$265,996
$217,213
$174,318
$133,510
$109,824
$114,306
$113,169
$108,731
$83,519
$71,886
$67,026
$58,491
$48,370
$46,473

$40,000
12.78%
$19,564,477
$1,160,000
$20,724,477
29
$1,936,510
$2,119,207
$2,245,042
$2,687,803
$2,065,607
$1,545,619
$1,624,864
$1,228,046
$935,124
$658,971
$506,528
$449,250
$418,627
$425,123
$302,258
$246,825
$198,082
$151,711
$124,796
$129,889
$128,596
$123,554
$94,905
$81,686
$76,163
$66,465
$54,964
$52,809
$45,453

$40,000
3.80%
$20,368,711
$1,200,000
$21,568,711
30
$2,011,513
$2,201,287
$2,331,995
$2,791,905
$2,145,611
$1,605,482
$1,687,797
$1,275,610
$971,343
$684,494
$526,146
$466,650
$434,841
$441,589
$313,964
$256,385
$205,754
$157,587
$129,629
$134,920
$133,577
$128,340
$98,581
$84,850
$79,113
$69,040
$57,093
$54,854
$47,213
$41,549

$40,000
8.00%
$22,168,437
$1,240,000
$23,408,437
31
$2,179,046
$2,384,626
$2,526,220
$3,024,435
$2,324,312
$1,739,198
$1,828,369
$1,381,851
$1,052,243
$741,503
$569,968
$505,516
$471,057
$478,368
$340,114
$277,738
$222,890
$170,712
$140,426
$146,157
$144,702
$139,029
$106,792
$91,916
$85,702
$74,790
$61,848
$59,423
$51,146
$45,010
$43,331

average
14.82%

$2,179,046
$4,563,672
$7,089,892
$10,114,326
$12,438,639
$14,177,837
$16,006,205
$17,388,057
$18,440,300
$19,181,803
$19,751,771
$20,257,287
$20,728,344
$21,206,711
$21,546,825
$21,824,563
$22,047,453
$22,218,166
$22,358,592
$22,504,748
$22,649,451
$22,788,479
$22,895,271
$22,987,187
$23,072,890
$23,147,679
$23,209,527
$23,268,950
$23,320,096
$23,365,106
$23,408,437

amt lost @ 31 year mark by stopping contribution

90.69%
80.50%
69.71%
56.79%
46.86%
39.43%
31.62%
25.72%
21.22%
18.06%
15.62%
13.46%
11.45%
9.41%
7.95%
6.77%
5.81%
5.08%
4.48%
3.86%
3.24%
2.65%
2.19%
1.80%
1.43%
1.11%
0.85%
0.60%
0.38%
0.19%
0.00%

year mark by stopping contributions after this year