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3wisemen | How much of a return will I get for investing 300 dollars a month in Mutual Funds for 20 years? |
Investing. I've read and listen to this Dave Ramsey which is a Financial GOD so to speak. He said to invest into Mutual Funds is the best thing you can do. I'm not much of an investor but was wondering what kind of returns will I get? |
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lizzgeorge
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Until your portfolio swells above a few hundred thousand, the most component is how much you save--not your rate of return.
Your rate of return can be stellar (above 10%) or less than desireable (less than 5%), but your ending portfolio value will not be affected that much by the return you get in the early years.
Once you accumulate several hundred thousand (there's a mathematical number that you cross but I've forgotten it--it may be closer to a million) then your return starts to really matter much more than your contribution rate.
Regardless, in answer to your question, no one knows how much you'll have. It depends on the funds you pick and how they perform. You could invest in stocks/funds your whole life only to have the market crash right before you retire. But if you put away $300/mo you will have a lot more money than if you never saved at all, regardless of your return! |
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derek
 |
It depends on what rate of return your mutual funds earn.
@ 6% = $132,000 (approx)
@ 8% = $165,000 (approx)
@ 10% = $207,000 (approx)
@ 12% = $260,000 (approx)
There are several thousand mutual funds out there. The stock mutual funds have earned in the 10% to 12% range, while some of the more conservative mutual funds have earned 6% to 8%. |
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Cookiekaikai
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Depending on how much risk you are willing to take. For example, if 100% of money will be invested in "stock" mutual fund, then you should have higher return while the risk is higher (means your porfolio might go down more during market downturn). Many people recommend putting at least 20% of your money in fix income investment like bonds. Also US stocks are less risky than foreign stocks. Therefore, therefore it is very hard to provide you with a definitely answer. However, if you visit Vanguard Diehard online forum, you will be able to learn a lot from the poster there.
In general, if you follow their advice to setup a diversified porfolio that includes stock funds and bond funds. You should expect to get about 10-11% a year. Your total should be between 150k-200k depending on your tax rate. |
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erianoillib
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If you get a 10% return you would have a total of $20,900 (for calculation see http://www.moneychimp.com/calculator/compound_interest_calculator.htm)
If you would get a 3% return your end amount would be $8,800.
However your investment could also remain unchanged in which case you would pay in $6,300 and get back $6,300 or LESS depending on the fee structure! OR you could loose money on the deal since mutual funds can also loose money!!
You will need to be an investor and know a bit about investing to be able to make a good choice. There are literally millions (and I am not exaggerating here) of mutual funds to choose from!! You need where you want to go and make a plan to reach those goals so that you can make a wise purchase(s)!! Perhaps also try to find an expert who can help you if you are not confident enough to do it on your own!! The investment is a jungle and you find all sorts of dangerous animals in there so please be careful. If you know what you are doing though then the trip will be worth it and you will be able to miss all the wild animals and not get hurt :-) |
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jebediabartlett
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Like everyone else is saying, it depends on what kind of return ( percentage-wise) your funds get...
...but, if you want to fool around and view some of the possibilities, here's a handy site for a " calculator":
http://finishrich.com/free_resources/lattecalculator.php
You can see that by getting up into the 14%- 17/18% range you can really amass a " bundle"...so don't be too conservative with all those funds.....and DIVERSIFY!...when you can, move into seperate funds in sectors of the market...
( a nice " blended" fund will do the same for you, but it's so much more satisfying when you move a little something...and come out more than " a little" ahead) !!
Good luck |
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mldjay
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I suggest you talk to one of Dave Ramsey's ELPs in your area. Have them explain it and run actuary tables on what the funds should run. Remember to look for minimum 10 year track records on all your mutual funds and average should be 10-16% return. |
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asjrb
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What type of mutual fund you pick will drive how much you will get back. Expect to earn 7-10% return per year over 20 years if you invest in S&P or Dow 30 index fund or ishares.
If I were at you, I would invest $100 in 3 different funds every month. Pick S&P, international and balance fund. You will not go wrong. This will allow you earn at least 7% annually on your money. Keep in mind, you have to invest every month for 20 years. |
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Newbee
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a lot! $300 x 12 x 20 x ( ? interest %) = ? |
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sampathkumar.r.k k
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who knows ?
for share details ......... |
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