Wasting Time Time is big contributor to financial success. This example shows how waiting to put your money to work through investing, instead of acting right away, could cost you thousands of dollars over time. Assumes a 6% rate of return in both accounts. This hypothetical example of mathematical compounding is used for illustrative purposes only. Taxes and investment costs are not considered. Rates of return will vary over time, particularly for long-term investments. Investments offering the potential for higher rates of return also involve a higher degree of investment risk. Actual results will vary. Early Investor Procrastinator Year Investment Value Investment Value 1 $5,000 $ 5,300 $0 2 $5,000 $10,918 $0 3 $5,000 $16,873 $0 4 $5,000 $23,185 $0 5 $5,000 $29,877 $0 6 $0 $31,669 $5,000 $ 5,300 7 $0 $33,569 $5,000 $10,918 8 $0 $35,583 $5,000 $16,873 9 $0 $37,719 $5,000 $23,185 10 $0 $39,982 $5,000 $29,877 Contributions $25,000 $25,000 Earnings $14,982 $ 4,877 Total value $39,982 $29,877
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