Home - Privacy - Contact / Advertise

 
Table for Age 2 - 10 - 20 - 25 - 30 - 35- 40 - 49 - 55
 

Investment Table for 25 Year Old

The retirement table below shows the distinct disadvantages of beginning to invest for a retirement plan when you are older. This chart is a hypothetical representation of a person who starts investing at the age of 25 at the beginning of the year $2000 annually through age 65. This example uses a hypothetical annual investment growth rate of 8%. The hypothetical plan is as if someone was to invest in a tax free investment such as a Roth Ira and not removing any money and having tax free growth until age 65. If the investement is an IRA or other retirement plan it is important to check with your accountant or the IRS tax table to see how much must be removed each year to avoid extra taxes and penalties. This table just shows how a tax free investment would grow with an 8% growth rate and how taking withdrawals would affect the asset value. It is not intended to be followed. It is intended to give a person an idea of how much they could aquire and take out with these hypothetical rates. At the end of age 65 if this individual had continued to invest annually $2000 and had an annual growth rate of 8% their total investment value would be $606,487. At which time they would have invested $82,000 (41 years x $2000). After that, the retirement plan shows this person withdrawing $48,000 annually until age 100 at which time they would still have $34,217. Notice how compared to the scenerio of a person who starts at age 20 investing is able to take out $70,000 after age 65 and at age 100 still has plenty of money. This shows the importance of people beginning there savings at an early age. Once again, this hypothetical continues to use an annual rate of return of 8% with a tax free investment.

 
Age
Investment Beginning of Year
Beginning of Year Value After Investment Before Withdrawel
Rate of Growth
Beginning of Year Withdrawel
Value End of Year
25
$2,000
$2,000
8%
$0
$2,160
26
$2,000
$4,160
8%
$0
$4,493
27
$2,000
$6,493
8%
$0
$7,012
28
$2,000
$9,012
8%
$0
$9,733
29
$2,000
$11,733
8%
$0
$12,672
30
$2,000
$14,672
8%
$0
$15,846
31
$2,000
$17,846
8%
$0
$19,273
32
$2,000
$21,273
8%
$0
$22,975
33
$2,000
$24,975
8%
$0
$26,973
34
$2,000
$28,973
8%
$0
$31,291
35
$2,000
$33,291
8%
$0
$35,954
36
$2,000
$37,954
8%
$0
$40,991
37
$2,000
$42,991
8%
$0
$46,430
38
$2,000
$48,430
8%
$0
$52,304
39
$2,000
$54,304
8%
$0
$58,649
40
$2,000
$60,649
8%
$0
$65,500
41
$2,000
$67,500
8%
$0
$72,900
42
$2,000
$74,900
8%
$0
$80,893
43
$2,000
$82,893
8%
$0
$89,524
44
$2,000
$91,524
8%
$0
$98,846
45
$2,000
$100,846
8%
$0
$108,914
46
$2,000
$110,914
8%
$0
$119,787
47
$2,000
$121,787
8%
$0
$131,530
48
$2,000
$133,530
8%
$0
$144,212
49
$2,000
$146,212
8%
$0
$157,909
50
$2,000
$159,909
8%
$0
$172,702
51
$2,000
$174,702
8%
$0
$188,678
52
$2,000
$190,678
8%
$0
$205,932
53
$2,000
$207,932
8%
$0
$224,566
54
$2,000
$226,566
8%
$0
$244,692
55
$2,000
$246,692
8%
$0
$266,427
56
$2,000
$268,427
8%
$0
$289,901
57
$2,000
$291,901
8%
$0
$315,253
58
$2,000
$317,253
8%
$0
$342,634
59
$2,000
$344,634
8%
$0
$372,204
60
$2,000
$374,204
8%
$0
$404,141
61
$2,000
$406,141
8%
$0
$438,632
62
$2,000
$440,632
8%
$0
$475,882
63
$2,000
$477,882
8%
$0
$516,113
64
$2,000
$518,113
8%
$0
$559,562
65
$2,000
$561,562
8%
$0
$606,487
66
$0
$606,487
8%
$48,000
$603,166
67
$0
$603,166
8%
$48,000
$599,579
68
$0
$599,579
8%
$48,000
$595,706
69
$0
$595,706
8%
$48,000
$591,522
70
$0
$591,522
8%
$48,000
$587,004
71
$0
$587,004
8%
$48,000
$582,124
72
$0
$582,124
8%
$48,000
$576,854
73
$0
$576,854
8%
$48,000
$571,162
74
$0
$571,162
8%
$48,000
$565,015
75
$0
$565,015
8%
$48,000
$558,377
76
$0
$558,377
8%
$48,000
$551,207
77
$0
$551,207
8%
$48,000
$543,463
78
$0
$543,463
8%
$48,000
$535,100
79
$0
$535,100
8%
$48,000
$526,068
80
$0
$526,068
8%
$48,000
$516,314
81
$0
$516,314
8%
$48,000
$505,779
82
$0
$505,779
8%
$48,000
$494,401
83
$0
$494,401
8%
$48,000
$482,113
84
$0
$482,113
8%
$48,000
$468,843
85
$0
$468,843
8%
$48,000
$454,510
86
$0
$454,510
8%
$48,000
$439,031
87
$0
$439,031
8%
$48,000
$422,313
88
$0
$422,313
8%
$48,000
$404,258
89
$0
$404,258
8%
$48,000
$384,759
90
$0
$384,759
8%
$48,000
$363,700
91
$0
$363,700
8%
$48,000
$340,956
92
$0
$340,956
8%
$48,000
$316,392
93
$0
$316,392
8%
$48,000
$289,863
94
$0
$289,863
8%
$48,000
$261,212
95
$0
$261,212
8%
$48,000
$230,269
96
$0
$230,269
8%
$48,000
$196,851
97
$0
$196,851
8%
$48,000
$160,759
98
$0
$160,759
8%
$48,000
$121,780
99
$0
$121,780
8%
$48,000
$79,682
100
$0
$79,682
8%
$48,000
$34,217
This illustration is not suppose to be indicative of any particular investment and is shown only as one possible scenerio for a hypothetical plan. Investments and returns vary according to their plans. Please speak to your investment advisor before making any investments. Information and the investment tables are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Some other scenerios using different hypothetical ages, growth rates and withdrawals.

Age 2, $600 annual investment, 8% return, and $88,000 withdrawal

Age 10, $2,000 annual investment, 8% return, and $92,000 withdrawal

Age 20, $2,000 annual investment, 8% return, and $70,000 withdrawal

Age 25, $2000 annual investment, 8% return, and $48,000 withdrawal

Age 30, $2,000 annual investment, 8% return, and $30,000 withdrawal

Age 35, $2,000 annual investment, 8% return, and $21,000 withdrawal

Age 40, $2,000 annual investment, 8% return, and $13,500 withdrawal

Age 49, $2,000 annual investment, 8% return, and $15,000 withdrawal

Age 55 $2000 annual investment, 8% return, and $5,000 withthrawal

 

Home - Privacy - Contact/Advertise

Copyright © 2014-2017 retirementtable.com. All Rights Reserved.