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

Investment Table for a Person Starting at 2 Years Old

The retirement table below shows the distinct advantage of beginning to invest for a retirement plan when you are young. This chart is a hypothetical representation of a person who starts investing (or rather there parents or grandparents) at the age of 2 at the beginning of the year just $600 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 $600 and had an annual growth rate of 8% their total investment value would be $1,107,749. At which time they would have only invested $38,400 (64 years x $600). After that, the retirement plan shows this person withdrawing $88,000 annually until age 100. 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. 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
Rate of Growth
Beginning of Year Withdrawal
Value End of Year
2
$600
$600
8%
0
$648
3
$600
$1,248
8%
0
$1,348
4
$600
$1,948
8%
0
$2,104
5
$600
$2,704
8%
0
$2,920
6
$600
$3,520
8%
0
$3,802
7
$600
$4,402
8%
0
$4,754
8
$600
$5,354
8%
0
$5,782
9
$600
$6,382
8%
0
$6,893
10
$600
$7,493
8%
0
$8,092
11
$600
$8,692
8%
0
$9,387
12
$600
$9,987
8%
0
$10,786
13
$600
$11,386
8%
0
$12,297
14
$600
$12,897
8%
0
$13,929
15
$600
$14,529
8%
0
$15,691
16
$600
$16,291
8%
0
$17,595
17
$600
$18,195
8%
0
$19,650
18
$600
$20,250
8%
0
$21,870
19
$600
$22,470
8%
0
$24,268
20
$600
$24,868
8%
0
$26,857
21
$600
$27,457
8%
0
$29,654
22
$600
$30,254
8%
0
$32,674
23
$600
$33,274
8%
0
$35,936
24
$600
$36,536
8%
0
$39,459
25
$600
$40,059
8%
0
$43,264
26
$600
$43,864
8%
0
$47,373
27
$600
$47,973
8%
0
$51,810
28
$600
$52,410
8%
0
$56,603
29
$600
$57,203
8%
0
$61,780
30
$600
$62,380
8%
0
$67,370
31
$600
$67,970
8%
0
$73,408
32
$600
$74,008
8%
0
$79,928
33
$600
$80,528
8%
0
$86,970
34
$600
$87,570
8%
0
$94,576
35
$600
$95,176
8%
0
$102,790
36
$600
$103,390
8%
0
$111,661
37
$600
$112,261
8%
0
$121,242
38
$600
$121,842
8%
0
$131,590
39
$600
$132,190
8%
0
$142,765
40
$600
$143,365
8%
0
$154,834
41
$600
$155,434
8%
0
$167,869
42
$600
$168,469
8%
0
$181,946
43
$600
$182,546
8%
0
$197,150
44
$600
$197,750
8%
0
$213,570
45
$600
$214,170
8%
0
$231,303
46
$600
$231,903
8%
0
$250,456
47
$600
$251,056
8%
0
$271,140
48
$600
$271,740
8%
$0
$293,479
49
$600
$294,079
8%
$0
$317,606
50
$600
$318,206
8%
$0
$343,662
51
$600
$344,262
8%
$0
$371,803
52
$600
$372,403
8%
$0
$402,195
53
$600
$402,795
8%
$0
$435,019
54
$600
$435,619
8%
$0
$470,468
55
$600
$471,068
8%
$0
$508,754
56
$600
$509,354
8%
$0
$550,102
57
$600
$550,702
8%
$0
$594,758
58
$600
$595,358
8%
$0
$642,987
59
$600
$643,587
8%
$0
$695,074
60
$600
$695,674
8%
$0
$751,328
61
$600
$751,928
8%
$0
$812,082
62
$600
$812,682
8%
$0
$877,697
63
$600
$878,297
8%
$0
$948,561
64
$600
$949,161
8%
$0
$1,025,093
65
$600
$1,025,693
8%
$0
$1,107,749
66
$0
$1,107,749
8%
$88,000
$1,101,329
67
$0
$1,101,329
8%
$88,000
$1,094,395
68
$0
$1,094,395
8%
$88,000
$1,086,907
69
$0
$1,086,907
8%
$88,000
$1,078,819
70
$0
$1,078,819
8%
$88,000
$1,070,085
71
$0
$1,070,085
8%
$88,000
$1,060,652
72
$0
$1,060,652
8%
$88,000
$1,050,464
73
$0
$1,050,464
8%
$88,000
$1,039,461
74
$0
$1,039,461
8%
$88,000
$1,027,578
75
$0
$1,027,578
8%
$88,000
$1,014,744
76
$0
$1,014,744
8%
$88,000
$1,000,883
77
$0
$1,000,883
8%
$88,000
$985,914
78
$0
$985,914
8%
$88,000
$969,747
79
$0
$969,747
8%
$88,000
$952,287
80
$0
$952,287
8%
$88,000
$933,430
81
$0
$933,430
8%
$88,000
$913,064
82
$0
$913,064
8%
$88,000
$891,069
83
$0
$891,069
8%
$88,000
$867,315
84
$0
$867,315
8%
$88,000
$841,660
85
$0
$841,660
8%
$88,000
$813,953
86
$0
$813,953
8%
$88,000
$784,029
87
$0
$784,029
8%
$88,000
$751,711
88
$0
$751,711
8%
$88,000
$716,808
89
$0
$716,808
8%
$88,000
$679,113
90
$0
$679,113
8%
$88,000
$638,402
91
$0
$638,402
8%
$88,000
$594,434
92
$0
$594,434
8%
$88,000
$546,949
93
$0
$546,949
8%
$88,000
$495,665
94
$0
$495,665
8%
$88,000
$440,278
95
$0
$440,278
8%
$88,000
$380,460
96
$0
$380,460
8%
$88,000
$315,857
97
$0
$315,857
8%
$88,000
$246,086
98
$0
$246,086
8%
$88,000
$170,732
99
$0
$170,732
8%
$88,000
$89,351
100
$0
$89,351
8%
$88,000
$1,459
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 10, $1,200 annual investment, 8% return, and $92,000 withdrawal

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

Age 25, $2,000 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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