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Calculate how a one-time investment grows over time. Compare different rates and time periods to see the impact of compound growth.
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How Lump Sum Investing Works
Lump sum investing means putting a large amount of money into the market all at once, rather than spreading it out over time (dollar-cost averaging). Studies consistently show that lump sum investing outperforms dollar-cost averaging about two-thirds of the time because markets tend to go up over the long term.
The Rule of 72
A quick way to estimate how long it takes an investment to double: divide 72 by the annual return rate. At 7% returns, your money doubles in approximately 72 ÷ 7 = 10.3 years. At 10%, it doubles in about 7.2 years.
Tax-Efficient Investing
Long-term capital gains (assets held >1 year) are taxed at 0%, 15%, or 20% depending on your income. Short-term gains are taxed as ordinary income. Tax-advantaged accounts (401k, IRA, Roth IRA) can shield some or all gains from taxes.