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My 21 year old sister has some money coming. I want to show her in a one page report, what the results will be if she invest that money (bonds/stocks/commodities) vs taking the money and not investing it.

It will be nice if that type of calculator/report will also show what will happen with that investment in 10-15 years if she adds to it rather than take from it.

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    What about a spreadsheet? You can look up average returns of stocks and bonds and use those to calculate future cash flows, values, etc. May 25, 2013 at 13:09

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I have always though that the Choose to Save organization has a lot of good information. Including one on the magic of compounding

Final Total at Age 65.
$107,209 : Saved $2,000 per year from age 20 to age 30. Save nothing else after age 30.
$251,578 : Saved $2,000 per year from age 20 to age 65.
$152,288 : Saved $2,000 per year from age 30 to age 65.
 $85,688 : Saved $2,000 per year from age 40 to age 65.
 $41,015 : Saved $2,000 per year from age 50 to age 65.
Assumes a 4% annual rate of return compounded monthly.
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    That site is much better than my recommendation to use a spreadsheet. May 25, 2013 at 13:48
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    4%? That first line, with 8%, only ten years of saving, $428K by age 65. Or if you are a fan of The David, you can use 12%. Good presentation. May 25, 2013 at 15:34

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