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

Investment Table for 35 Year Old

The retirement table below shows the distinct advantages of beginning to invest for a retirement plan when you are younger. This chart is a hypothetical representation of a person who starts investing at the age of 35 at the beginning of the year $2,000 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 $266,427. At which time they would have invested $62,000 (31 years x $2,000). After that, the retirement plan shows this person withdrawing $21,000 annually until age 100 at which time they would still have $31,071. 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
35
$2,000
$2,000
8%
$0
$2,160
36
$2,000
$4,160
8%
$0
$4,493
37
$2,000
$6,493
8%
$0
$7,012
38
$2,000
$9,012
8%
$0
$9,733
39
$2,000
$11,733
8%
$0
$12,672
40
$2,000
$14,672
8%
$0
$15,846
41
$2,000
$17,846
8%
$0
$19,273
42
$2,000
$21,273
8%
$0
$22,975
43
$2,000
$24,975
8%
$0
$26,973
44
$2,000
$28,973
8%
$0
$31,291
45
$2,000
$33,291
8%
$0
$35,954
46
$2,000
$37,954
8%
$0
$40,991
47
$2,000
$42,991
8%
$0
$46,430
48
$2,000
$48,430
8%
$0
$52,304
49
$2,000
$54,304
8%
$0
$58,649
50
$2,000
$60,649
8%
$0
$65,500
51
$2,000
$67,500
8%
$0
$72,900
52
$2,000
$74,900
8%
$0
$80,893
53
$2,000
$82,893
8%
$0
$89,524
54
$2,000
$91,524
8%
$0
$98,846
55
$2,000
$100,846
8%
$0
$108,914
56
$2,000
$110,914
8%
$0
$119,787
57
$2,000
$121,787
8%
$0
$131,530
58
$2,000
$133,530
8%
$0
$144,212
59
$2,000
$146,212
8%
$0
$157,909
60
$2,000
$159,909
8%
$0
$172,702
61
$2,000
$174,702
8%
$0
$188,678
62
$2,000
$190,678
8%
$0
$205,932
63
$2,000
$207,932
8%
$0
$224,566
64
$2,000
$226,566
8%
$0
$244,692
65
$2,000
$246,692
8%
$0
$266,427
66
$0
$266,427
8%
$21,000
$265,061
67
$0
$265,061
8%
$21,000
$263,586
68
$0
$263,586
8%
$21,000
$261,993
69
$0
$261,993
8%
$21,000
$260,272
70
$0
$260,272
8%
$21,000
$258,414
71
$0
$258,414
8%
$21,000
$256,407
72
$0
$256,407
8%
$21,000
$254,240
73
$0
$254,240
8%
$21,000
$251,899
74
$0
$251,899
8%
$21,000
$249,371
75
$0
$249,371
8%
$21,000
$246,641
76
$0
$246,641
8%
$21,000
$243,692
77
$0
$243,692
8%
$21,000
$240,507
78
$0
$240,507
8%
$21,000
$237,068
79
$0
$237,068
8%
$21,000
$233,354
80
$0
$233,354
8%
$21,000
$229,342
81
$0
$229,342
8%
$21,000
$225,009
82
$0
$225,009
8%
$21,000
$220,330
83
$0
$220,330
8%
$21,000
$215,276
84
$0
$215,276
8%
$21,000
$209,818
85
$0
$209,818
8%
$21,000
$203,924
86
$0
$203,924
8%
$21,000
$197,558
87
$0
$197,558
8%
$21,000
$190,682
88
$0
$190,682
8%
$21,000
$183,257
89
$0
$183,257
8%
$21,000
$175,237
90
$0
$175,237
8%
$21,000
$166,576
91
$0
$166,576
8%
$21,000
$157,223
92
$0
$157,223
8%
$21,000
$147,120
93
$0
$147,120
8%
$21,000
$136,210
94
$0
$136,210
8%
$21,000
$124,427
95
$0
$124,427
8%
$21,000
$111,701
96
$0
$111,701
8%
$21,000
$97,957
97
$0
$97,957
8%
$21,000
$83,114
98
$0
$83,114
8%
$21,000
$67,083
99
$0
$67,083
8%
$21,000
$49,769
100
$0
$49,769
8%
$21,000
$31,071
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

 

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