Stress case
$17,526
4% return with a 25% drawdown in year 5.
Compounding frequency
Scenario assumptions
$57,254
Final portfolio value
$10,000
Total contributed
$47,254
Total growth
82.5%
Growth share
$47,254
Growth from initial amount
$0
Growth from contributions
Contributions vs growth
| Year | Contributed | Growth | Balance |
|---|---|---|---|
| 1 | $10,000 | $723 | $10,723 |
| 2 | $10,000 | $1,498 | $11,498 |
| 3 | $10,000 | $2,329 | $12,329 |
| 4 | $10,000 | $3,221 | $13,221 |
| 5 | $10,000 | $4,176 | $14,176 |
| 6 | $10,000 | $5,201 | $15,201 |
| 7 | $10,000 | $6,300 | $16,300 |
| 8 | $10,000 | $7,478 | $17,478 |
| 9 | $10,000 | $8,742 | $18,742 |
| 10 | $10,000 | $10,097 | $20,097 |
| 11 | $10,000 | $11,549 | $21,549 |
| 12 | $10,000 | $13,107 | $23,107 |
| 13 | $10,000 | $14,778 | $24,778 |
| 14 | $10,000 | $16,569 | $26,569 |
| 15 | $10,000 | $18,489 | $28,489 |
| 16 | $10,000 | $20,549 | $30,549 |
| 17 | $10,000 | $22,757 | $32,757 |
| 18 | $10,000 | $25,125 | $35,125 |
| 19 | $10,000 | $27,665 | $37,665 |
| 20 | $10,000 | $30,387 | $40,387 |
| 21 | $10,000 | $33,307 | $43,307 |
| 22 | $10,000 | $36,438 | $46,438 |
| 23 | $10,000 | $39,795 | $49,795 |
| 24 | $10,000 | $43,394 | $53,394 |
| 25 | $10,000 | $47,254 | $57,254 |
Scenario comparison
Decision scenarios
Base case
$49,320
Return net of 0.2% fees and 0.4% tax drag, with contributions rising 3%/yr.
Upside case
$103,900
10% gross return under stronger market conditions.
Risk flags
No monthly contribution is set, so the plan depends entirely on the starting balance and market returns.
Action plan
- 1. Add roughly $3,169/month before growth effects to close the base-case target gap.
- 2. Keep all-in drag below 0.6%/yr or model a lower expected return.
- 3. Review whether a 25% drawdown in year 5 would change the timeline or contribution plan.
Goal-based mode
$1,842
Required monthly contribution
Current savings progress1.0%
Adding $250/month reaches the goal about 1.3 years earlier.
Lump sum vs DCA
Lump sum
Winner
$96,930
Lump sum final
$93,897
DCA final
$3,033
Difference
Lump sum often wins because more money spends more time invested, though DCA can reduce regret and timing risk.
Fee impact calculator
$81,165
Value without fee
$4,700
Fee cost
$79,964
0.05% index
$64,892
0.75% active
$51,874
1.5% active