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Conversation of the Week

We believe there is never a better time to begin investing than the present. Investors can take advantage of compounding returns and benefit from putting their savings to work as early as possible.

Financial literacy slide 25

Speaker Notes

Money has time value. Simply put, money available at the present time is worth more than the same amount in the future because of its potential earning capacity. 

Here’s a simple exercise to articulate that point: Would you rather have an inheritance of $10,000 three years from now or today. The answer is today. Importantly, it is not because it gives you more time to spend the money. You want the money today so that you can invest it and earn a return. For example, a $10,000 investment with a hypothetical annualized investment return of 6% will be worth $11,910 three years from today. That’s $1,910 more than if you chose instead to inherit the money at the latter date. 

How long will it take you to double your money? Here’s a simple exercise known as the Rule of 72: Divide your expected rate of return into 72. In the example above (6% rate of return) the answer is 12 years to double your money.

Slide is for illustrative purposes only. 6% market return is based on a hypothetical mathematical example, not the performance of any market.

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