For the sake of our experiment, we are going to use one of the biggest indices of U.S. stocks, called S&P500.

Buying S&P500 is one of the safest ways to increase your wealth. Because it is less risky, the rewards are going to be small.

So let us begin.

Assumptions: historical return of 8% yearly

EXAMPLE 1:

• you start with 0 dollars and invest 100 dollars monthly
• 55 YEARS

Source: https://americanfundsretirement.retire.americanfunds.com/tools/calculators/investing-results.htm

Clearly this is an impossible way if you are already an adult but opening an account for your baby might work.

EXAMPLE 2:

• you start with 1000 dollars and invest 100 dollars
• 54 YEARS

Source: https://americanfundsretirement.retire.americanfunds.com/tools/calculators/investing-results.htm

You need one year less if you initially invest 1000 Dollars. Not much. Let us increase the month invest amount.

EXAMPLE 3:

• monthly investment of 300 Dollars
• 41 YEARS

Source: https://americanfundsretirement.retire.americanfunds.com/tools/calculators/investing-results.htm

“Just” 41 years! We are getting there!

EXAMPLE 4:

• Crypto returns are much higher (and much riskier!)
• Although the BTC returns are in 1000% of percentages, we will assume a return of 20% per year
• Monthly investments of 300 Dollars
• 28 YEARS

Source: https://www.communitychoicecu.com/static/calcs/CompoundSavings.html

Are you ready to risk it to take it all?