Rule number 1 investing calculator

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Decide how much of it will be necessary to live on during retirement. Years Before Retirement: This is the number of years you have until you have to retire. Investment Capital Today: This is the amount of money you have available to start investing today. Use any number here based on what you think you can save and contribute on an annual basis. Rate of Return: The average rate of return is estimated differently depending on who you talk to.

By using my easy retirement calculator you can start to see how investing for retirement can make a huge difference in what your retirement account may or may not look like in 10 or 15 years and determine what steps you should be taking to make sure you have what you need. If you have a set amount of money put away that you plan to live off of, that money will slowly lose value over time due to the rate of inflation.

End amount — The desired amount at the end of the life of the investment. Investment length — The length of the life of the investment. Generally, the longer the investment, the riskier it becomes due to the unforeseeable future. Normally, the more periods involved in an investment, the more compounding of return is accrued and the greater the rewards.

Additional contribution — Commonly referred to as annuity payment in financial jargon, investments can be made without them. However, any additional contributions during the life of an investment will result in a more accrued return and a higher end value. Different Types of Investments Our Investment Calculator can be used for almost any investment opportunity that can be simplified to the variables above.

The following is a list of some common investments. The investment options available are far beyond what was listed. CDs A simple example of a type of investment that can be used with the calculator is a certificate of deposit, or CD, which is available at most banks.

A CD is a low-risk investment. In the U. It pays a fixed interest rate for a specified amount of time, giving an easy-to-determine rate of return and investment length. Normally, the longer that money is left in a CD, the higher the rate of interest received. Other low-risk investments of this type include savings accounts and money market accounts, which pay relatively low rates of interest. Bonds Risk is a key factor when making bond investments. In general, premiums must be paid for greater risks.

Buying bonds from companies that are highly rated for being low-risk by the mentioned agencies is much safer, but this earns a lower rate of interest. Bonds can be bought for the short or long term. Short-term bond investors want to buy a bond when its price is low and sell it when its price has risen, rather than holding the bond to maturity. Bond prices tend to drop as interest rates rise, and they typically rise when interest rates fall.

Within different parts of the bond market, differences in supply and demand can also generate short-term trading opportunities. A conservative approach to bond investing is to hold them until maturity. This way, interest payments become available, usually twice a year, and owners receive the face value of the bond at maturity.

By following a long-term bond-buying strategy, it is not a requirement to be too concerned about the impact of interest rates on a bond's price or market value. If interest rates rise and the market value of bonds change, the strategy shouldn't change unless there is a decision to sell. TIPS offers an effective way to handle the risk of inflation. They also provide a risk-free return guaranteed by the U.

For this reason, they are a very popular investment, although the return is relatively low compared to other fixed-income investments. This is what makes them unique and characterizes their behavior. Stocks Equity or stocks are popular forms of investments.

While they are not fixed-interest investments, they are one of the most important forms of investments for both institutional and private investors. A stock is a share, literally a percentage of ownership, in a company. It permits a partial owner of a public company to share in its profits, and shareholders receive funds in the form of dividends for as long as the shares are held and the company pays dividends.

Most stocks are traded on exchanges, and many investors purchase stocks with the intent of buying them at a low price and selling them at a higher one hopefully.