THE COST OF WAITING.
What changes when you start investing today, 5 years later, or 10 years later? Personalise the assumptions and let the numbers tell the story.
Personalise the illustration
Your Client
How your investment could grow
The cost of waiting & inaction
Compared with starting now at the same target age.
Compared with starting now at the same target age.
Important disclosure: This calculator is an educational illustration, not investment advice, a product recommendation, or a forecast. It assumes equal contributions at the end of each month and a constant annual nominal rate divided by 12, compounded monthly. Actual returns fluctuate and may be negative. Calculations exclude fees, taxes, withdrawals and inflation (except in the separate optional purchasing-power view). No guarantee is made that the displayed outcomes will be achieved. Consider the client's affordability, liquidity needs, risk tolerance, investment horizon and product suitability before any investment decision. The cost-of-waiting difference reflects both fewer contributions and fewer years of potential growth; it is not a guaranteed loss.