Notitia
Equities, bonds, rates and currencies explained simply.
✦ You invest €53,000; compounding adds €55,959 - 51.4 % of the final capital. Waiting 5 more years would add €51,964.
Educational simulation - not investment advice. Returns are not guaranteed.
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Same capital, same rate: simple interest (withdrawn each year) vs compound interest (reinvested).
Time does most of the work. A pro watches fees just as closely: 1% a year over 30 years costs nearly a quarter of the final capital.