Retirement Table for a 10 Year Old Investing $1,200 Annually

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

Investment Table for 10 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 10 at the beginning of the year $1,200 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 $1,200 and had an annual growth rate of 8% their total investment value would be $1,189,517. At which time they would have invested $67,200 (56 years x $1,200). After that, the retirement plan shows this person withdrawing $92,000 annually until age 100 at which time they would still have $466,018. 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
10	$1,200	$1,200	8%	0	$1,296
11	$1,200	$2,496	8%	0	$2,696
12	$1,200	$3,896	8%	0	$4,207
13	$1,200	$5,407	8%	0	$5,840
14	$1,200	$7,040	8%	0	$7,603
15	$1,200	$8,803	8%	0	$9,507
16	$1,200	$10,707	8%	0	$11,564
17	$1,200	$12,764	8%	0	$13,785
18	$1,200	$14,985	8%	0	$16,184
19	$1,200	$17,384	8%	0	$18,775
20	$1,200	$19,975	8%	0	$21,573
21	$1,200	$22,773	8%	0	$24,594
22	$1,200	$25,794	8%	0	$27,858
23	$1,200	$29,058	8%	0	$31,383
24	$1,200	$32,583	8%	0	$35,189
25	$1,200	$36,389	8%	0	$39,300
26	$1,200	$40,500	8%	0	$43,740
27	$1,200	$44,940	8%	0	$48,536
28	$1,200	$49,736	8%	0	$53,714
29	$1,200	$54,914	8%	0	$59,308
30	$1,200	$60,508	8%	0	$65,348
31	$1,200	$66,548	8%	0	$71,872
32	$1,200	$73,072	8%	0	$78,918
33	$1,200	$80,118	8%	0	$86,527
34	$1,200	$87,727	8%	0	$94,745
35	$1,200	$95,945	8%	0	$103,621
36	$1,200	$104,821	8%	0	$113,207
37	$1,200	$114,407	8%	0	$123,559
38	$1,200	$124,759	8%	0	$134,740
39	$1,200	$135,940	8%	0	$146,815
40	$1,200	$148,015	8%	0	$159,856
41	$1,200	$161,056	8%	0	$173,941
42	$1,200	$175,141	8%	0	$189,152
43	$1,200	$190,352	8%	0	$205,580
44	$1,200	$206,780	8%	0	$223,323
45	$1,200	$224,523	8%	0	$242,484
46	$1,200	$243,684	8%	0	$263,179
47	$1,200	$264,379	8%	0	$285,529
48	$1,200	$286,729	8%	0	$309,668
49	$1,200	$310,868	8%	0	$335,737
50	$1,200	$336,937	8%	0	$363,892
51	$1,200	$365,092	8%	0	$394,300
52	$1,200	$395,500	8%	0	$427,140
53	$1,200	$428,340	8%	0	$462,607
54	$1,200	$463,807	8%	0	$500,911
55	$1,200	$502,111	8%	0	$542,280
56	$1,200	$543,480	8%	0	$586,959
57	$1,200	$588,159	8%	0	$635,211
58	$1,200	$636,411	8%	0	$687,324
59	$1,200	$688,524	8%	0	$743,606
60	$1,200	$744,806	8%	0	$804,391
61	$1,200	$805,591	8%	0	$870,038
62	$1,200	$871,238	8%	0	$940,937
63	$1,200	$942,137	8%	0	$1,017,508
64	$1,200	$1,018,708	8%	0	$1,100,204
65	$1,200	$1,101,404	8%	0	$1,189,517
66	$0	$1,189,517	8%	$92,000	$1,185,318
67	$0	$1,185,318	8%	$92,000	$1,180,784
68	$0	$1,180,784	8%	$92,000	$1,175,886
69	$0	$1,175,886	8%	$92,000	$1,170,597
70	$0	$1,170,597	8%	$92,000	$1,164,885
71	$0	$1,164,885	8%	$92,000	$1,158,716
72	$0	$1,158,716	8%	$92,000	$1,152,053
73	$0	$1,152,053	8%	$92,000	$1,144,857
74	$0	$1,144,857	8%	$92,000	$1,137,086
75	$0	$1,137,086	8%	$92,000	$1,128,693
76	$0	$1,128,693	8%	$92,000	$1,119,628
77	$0	$1,119,628	8%	$92,000	$1,109,838
78	$0	$1,109,838	8%	$92,000	$1,099,266
79	$0	$1,099,266	8%	$92,000	$1,087,847
80	$0	$1,087,847	8%	$92,000	$1,075,514
81	$0	$1,075,514	8%	$92,000	$1,062,196
82	$0	$1,062,196	8%	$92,000	$1,047,811
83	$0	$1,047,811	8%	$92,000	$1,032,276
84	$0	$1,032,276	8%	$92,000	$1,015,498
85	$0	$1,015,498	8%	$92,000	$997,378
86	$0	$997,378	8%	$92,000	$977,808
87	$0	$977,808	8%	$92,000	$956,673
88	$0	$956,673	8%	$92,000	$933,847
89	$0	$933,847	8%	$92,000	$909,195
90	$0	$909,195	8%	$92,000	$882,570
91	$0	$882,570	8%	$92,000	$853,816
92	$0	$853,816	8%	$92,000	$822,761
93	$0	$822,761	8%	$92,000	$789,222
94	$0	$789,222	8%	$92,000	$753,000
95	$0	$753,000	8%	$92,000	$713,880
96	$0	$713,880	8%	$92,000	$671,630
97	$0	$671,630	8%	$92,000	$626,001
98	$0	$626,001	8%	$92,000	$576,721
99	$0	$576,721	8%	$92,000	$523,498
100	$0	$523,498	8%	$92,000	$466,018

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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