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Definitions

Starting amount
The starting balance or current amount you have invested. If you haven't started investing yet, set the amount to "$0".

Additional contributions
The amount that you plan on adding to your investment on a regular basis.

Years
The total number of years you are planning to invest.

Annualized rate of return
The annual rate of return for your underlying investment, before any fees are taken into account. The actual rate of return is largely dependent on the type of investments you select. From January 1970 to December 2008, the average annual compounded rate of return for the S&P 500, including reinvestment of dividends, was approximately 9.7% (source: www.standardandpoors.com). During this period, the highest 12-month return was 61%, from June 1982 through June 1983. The lowest 12-month return was -39%, which happened twice, once from September 1973 to September 1974 and again from November 2007 to November 2008. Savings accounts at a bank may pay as little as 1% or less but carry significantly lower risk of loss of principal balances.

It is important to remember that these scenarios are hypothetical and that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment. It is not possible to invest directly in an index and the compounded rate of return noted above does not reflect sales charges and other fees that funds and/or investment companies may charge.
Annual investment fee
The annual fees, calculated based as a percentage of the investment balance, for three different investment options. The higher the fee percentage, the less your investment will grow over time.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

This website provides information related to the subjects covered. Before making any financial or legal decisions, a professional should be consulted.