Investment ROI Calculator
Calculate your investment returns, portfolio growth, and compound interest over time. Plan your financial future with confidence.
Investment Summary
Final Portfolio Value: $302,370.09
Total Contributions: $130,000
Total Returns: $172,370.09
Total Return: 132.59%
What This Means:
Your final portfolio value shows the total amount you'll have after 20 years of investing. The total return percentage indicates how much your money grew beyond your contributions. This compound growth demonstrates the power of long-term investing and consistent monthly contributions.
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Disclaimer: This calculator provides educational estimates only and should not be considered financial advice. Past performance does not guarantee future results. Investment returns are subject to market risk and may fluctuate. Consult with a qualified financial advisor before making investment decisions.
Understanding Investment Returns
Investment returns are the gains or losses on your investments over time. This calculator helps you understand how your money can grow through compound interest and regular contributions.
Key Concepts:
- Compound Interest: Interest earned on both your principal and previously earned interest
- Dollar-Cost Averaging: Investing a fixed amount regularly, regardless of market conditions
- Time Value of Money: Money invested today is worth more than the same amount in the future
- Risk vs. Return: Higher potential returns typically come with higher risk
Investment Strategies:
Conservative (3-5% returns)
Bonds, CDs, savings accounts. Lower risk, steady returns.
Moderate (6-8% returns)
Balanced mutual funds, index funds. Moderate risk and return.
Aggressive (8-12% returns)
Stock-heavy portfolios. Higher risk, higher potential returns.
Very Aggressive (12%+ returns)
Individual stocks, growth funds. Highest risk and potential return.
Tips for Better Returns:
- Start investing early to maximize compound interest
- Invest consistently, even small amounts add up over time
- Diversify your portfolio across different asset classes
- Keep fees low by choosing low-cost index funds
- Stay invested for the long term to ride out market volatility
- Regularly rebalance your portfolio to maintain your target allocation