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Compound growth accelerates your wealth exponentially over time. The longer your investment horizon, the more powerful compounding becomes.
Regular investments, even small amounts, can significantly increase your portfolio value over time through dollar-cost averaging.
Investments typically outpace inflation over the long term, preserving your purchasing power better than cash savings.
Compound interest is the interest calculated on the initial principal and also on the accumulated interest of previous periods. It allows investments to grow exponentially over time, as you earn returns on both your original investment and the returns that investment generates.
Inflation reduces the purchasing power of money over time. If your investment returns don't outpace inflation, you're effectively losing money. Historically, stocks have provided returns that exceed inflation, making them a good long-term hedge against rising prices.
A "good" return depends on the type of investment and your risk tolerance. Historically, the S&P 500 has averaged about 10% annually. More conservative investments like bonds typically yield 3-5%. It's important to balance potential returns with your risk tolerance and investment timeline.
Stocks represent ownership shares in companies. They offer higher potential returns but come with greater volatility and risk compared to other investments.
Bonds are debt securities where you loan money to entities (governments or corporations) that pay interest over a fixed period. They generally offer lower returns but are less volatile than stocks.
Real estate investments involve purchasing property to generate rental income or capital appreciation. REITs (Real Estate Investment Trusts) allow investors to access real estate without directly owning property.
These are investment vehicles that pool money from many investors to purchase a diversified portfolio of stocks, bonds, or other securities. They offer instant diversification and professional management.