Compounding value gains for 15 years

Below is a table showing a few different rates of gain to illustrate the importance of the power of time, and how it relates to the rate of gain as an exponent. It also underscores the value of compounding (and how much it leverages time) when the rate of gain is sufficiently large enough.

If you start with a $10,000 chunk of money, you can see how long it would take to turn it into $100,000 and beyond under different rates of gain for 15 years for each of the rates shown. For comparison, some modest rates that are hoped-for with a buy and hold strategy are included in the first 3 columns. As of June 2018, the AVERAGE rate of gain for ALL Intelligence Lists sold from January 25, 2015 to present is 24 basis points per day(bps). For brevity's sake, the table moves in 2-week increments (10 Market Days).

Starting value = 10,000

bps bps bps bps bps bps

Market
Days 3 6 12 18 24 30

10 10,030.04 10,060.16 10,120.65 10,181.46 10,242.61 10,304.08

20 10,060.17 10,120.69 10,242.75 10,366.23 10,491.11 10,617.40

30 10,090.39 10,181.58 10,366.33 10,554.34 10,745.63 10,940.25

40 10,120.70 10,242.83 10,491.38 10,745.86 11,006.33 11,272.95

50 10,151.10 10,304.46 10,617.97 10,940.86 11,273.36 11,615.74

60 10,181.60 10,366.45 10,746.07 11,139.39 11,546.87 11,968.96

70 10,212.19 10,428.81 10,875.73 11,341.53 11,827.01 12,332.92

80 10,242.87 10,491.55 11,006.95 11,547.34 12,113.94 12,707.94

90 10,273.64 10,554.67 11,139.75 11,756.89 12,407.82 13,094.37

100 10,304.50 10,618.17 11,274.15 11,970.24 12,708.85 13,492.57

110 10,335.46 10,682.05 11,410.18 12,187.46 13,017.18 13,902.86

120 10,366.51 10,746.31 11,547.84 12,408.66 13,332.99 14,325.63

130 10,397.65 10,810.96 11,687.16 12,633.86 13,656.47 14,761.26

140 10,428.88 10,876.00 11,828.17 12,863.12 13,987.78 15,210.12

150 10,460.21 10,941.44 11,970.87 13,096.54 14,327.13 15,672.64

160 10,491.63 11,007.26 12,115.30 13,334.20 14,674.73 16,149.21

170 10,523.15 11,073.48 12,261.48 13,576.16 15,030.75 16,640.27

180 10,554.76 11,140.10 12,409.41 13,822.53 15,395.40 17,146.26

190 10,586.46 11,207.12 12,559.12 14,073.38 15,768.89 17,667.65

200 10,618.26 11,274.54 12,710.65 14,328.76 16,151.47 18,204.88

210 10,650.16 11,342.37 12,864.00 14,588.77 16,543.32 18,758.46

220 10,682.16 11,410.61 13,019.21 14,853.50 16,944.67 19,328.86

230 10,714.25 11,479.26 13,176.28 15,123.04 17,355.76 19,916.63

240 10,746.44 11,548.32 13,335.25 15,397.49 17,776.82 20,522.26

250 10,778.72 11,617.80 13,496.15 15,676.94 18,208.10 21,146.31

1 year

MD 3 6 12 18 24 30

260 10,811.10 11,687.69 13,658.96 15,961.42 18,649.84 21,789.33

270 10,843.58 11,758.01 13,823.76 16,251.06 19,102.31 22,451.89

280 10,876.16 11,828.74 13,990.56 16,545.96 19,565.77 23,134.62

290 10,908.83 11,899.91 14,159.36 16,846.21 20,040.45 23,838.09

300 10,941.60 11,971.50 14,330.18 17,151.91 20,526.65 24,562.96

310 10,974.47 12,043.52 14,503.08 17,463.15 21,024.65 25,309.88

320 11,007.44 12,115.98 14,678.06 17,780.04 21,534.73 26,079.52

330 11,040.51 12,188.87 14,855.14 18,102.69 22,057.18 26,872.56

340 11,073.68 12,262.20 15,034.37 18,431.19 22,592.30 27,689.71

350 11,106.95 12,335.97 15,215.76 18,765.69 23,140.40 28,531.71

360 11,140.32 12,410.18 15,399.33 19,106.22 23,701.81 29,399.32

370 11,173.79 12,484.85 15,585.12 19,452.93 24,276.83 30,293.31

380 11,207.36 12,559.96 15,773.15 19,805.94 24,865.80 31,214.48

390 11,241.03 12,635.53 15,963.45 20,165.34 25,469.06 32,163.65

400 11,274.80 12,711.54 16,156.05 20,531.27 26,086.96 33,141.69

410 11,308.67 12,788.02 16,350.97 20,903.84 26,719.85 34,149.47

420 11,342.64 12,864.96 16,548.24 21,283.17 27,368.11 35,187.89

430 11,376.71 12,942.36 16,747.90 21,669.40 28,032.10 36,257.90

440 11,410.89 13,020.22 16,949.97 22,062.64 28,712.19 37,360.45

450 11,445.17 13,098.56 17,154.47 22,463.00 29,408.77 38,496.50

460 11,479.55 13,177.36 17,361.43 22,870.63 30,122.25 39,667.11

470 11,514.03 13,256.64 17,570.88 23,285.65 30,853.05 40,873.33

480 11,548.62 13,336.39 17,782.88 23,708.21 31,601.57 42,116.22

490 11,583.31 13,416.64 17,997.44 24,138.43 32,368.25 43,396.91

500 11,618.10 13,497.34 18,214.58 24,576.46 33,153.53 44,716.54

2 years

MD 3 6 12 18 24 30

510 11,653.00 13,578.54 18,434.34 25,022.46 33,957.86 46,076.29

520 11,688.01 13,660.24 18,656.74 25,476.53 34,781.71 47,477.40

530 11,723.12 13,742.44 18,881.83 25,938.85 35,625.56 48,921.11

540 11,758.34 13,825.14 19,109.64 26,409.55 36,489.88 50,408.70

550 11,793.66 13,908.33 19,340.19 26,888.79 37,375.17 51,941.54

560 11,829.09 13,992.02 19,573.53 27,376.72 38,281.93 53,520.98

570 11,864.63 14,076.22 19,809.68 27,873.50 39,210.69 55,148.46

580 11,900.27 14,160.92 20,048.68 28,379.30 40,161.98 56,825.44

590 11,936.02 14,246.12 20,290.57 28,894.28 41,136.35 58,553.41

600 11,971.88 14,331.82 20,535.38 29,418.61 42,134.36 60,333.93

610 12,007.84 14,418.04 20,783.13 29,952.45 43,156.58 62,168.57

620 12,043.91 14,504.79 21,033.88 30,495.98 44,203.58 64,059.02

630 12,080.09 14,592.04 21,287.63 31,049.38 45,275.99 66,006.94

640 12,116.38 14,679.84 21,544.48 31,612.82 46,374.42 68,014.09

650 12,152.77 14,768.15 21,804.41 32,186.48 47,499.50 70,082.27

660 12,189.28 14,857.00 22,067.49 32,770.55 48,651.88 72,213.35

670 12,225.90 14,946.38 22,333.73 33,365.22 49,832.22 74,409.23

680 12,262.63 15,036.30 22,603.18 33,970.69 51,041.19 76,671.90

690 12,299.47 15,126.76 22,875.89 34,587.14 52,279.49 79,003.37

700 12,336.42 15,217.77 23,151.89 35,214.78 53,547.83 81,405.73

710 12,373.48 15,309.32 23,431.22 35,853.81 54,846.93 83,881.13

720 12,410.65 15,401.43 23,713.91 36,504.43 56,177.56 86,431.82

730 12,447.93 15,494.09 24,000.03 37,166.85 57,540.49 89,060.06

740 12,485.32 15,587.31 24,289.58 37,841.29 58,936.47 91,768.22

750 12,522.83 15,681.08 24,582.63 38,527.98 60,366.33 94,558.73

3 years

MD 3 6 12 18 24 30

760 12,560.45 15,775.42 24,879.22 39,227.14 61,830.88 97,434.12

770 12,598.18 15,870.34 25,179.39 39,938.97 63,330.95 100,396.92

780 12,636.03 15,965.82 25,483.18 40,663.72 64,867.42 103,449.81

790 12,673.99 16,061.88 25,790.63 41,401.63 66,441.18 106,595.54

800 12,712.06 16,158.51 26,101.79 42,152.93 68,053.12 109,836.93

810 12,750.24 16,255.73 26,416.71 42,917.86 69,704.15 113,176.88

820 12,788.55 16,353.53 26,735.43 43,696.66 71,395.23 116,618.40

830 12,826.97 16,451.92 27,057.99 44,489.60 73,127.35 120,164.56

840 12,865.51 16,550.89 27,384.44 45,296.93 74,901.49 123,818.55

850 12,904.16 16,650.46 27,714.84 46,118.91 76,718.67 127,583.66

860 12,942.92 16,750.63 28,049.24 46,955.79 78,579.92 131,463.25

870 12,981.80 16,851.40 28,387.64 47,807.87 80,486.32 135,460.82

880 13,020.80 16,952.79 28,730.14 48,675.41 82,439.01 139,579.93

890 13,059.92 17,054.78 29,076.78 49,558.72 84,439.04 143,824.32

900 13,099.16 17,157.39 29,427.59 50,458.05 86,487.61 148,197.77

910 13,138.51 17,260.61 29,782.64 51,373.69 88,585.88 152,704.20

920 13,177.98 17,364.46 30,141.96 52,305.94 90,735.05 157,347.67

930 13,217.56 17,468.93 30,505.62 53,255.11 92,936.36 162,132.33

940 13,257.27 17,574.03 30,873.67 54,221.50 95,191.09 167,062.50

950 13,297.10 17,679.76 31,246.17 55,205.43 97,500.51 172,142.58

960 13,337.05 17,786.13 31,623.17 56,207.23 99,865.95 177,377.13

970 13,377.11 17,893.13 32,004.70 57,227.19 102,288.79 182,770.86

980 13,417.29 18,000.78 32,390.84 58,265.66 104,770.40 188,328.61

990 13,457.60 18,109.08 32,781.64 59,323.01 107,312.21 194,055.36

1000 13,498.03 18,218.03 33,177.15 60,399.51 109,915.71 199,956.23

4 years

MD 3 6 12 18 24 30

1010 13,538.58 18,327.63 33,577.43 61,495.54 112,582.37 206,036.55

1020 13,579.25 18,437.90 33,982.54 62,611.46 115,313.73 212,301.76

1030 13,620.03 18,548.83 34,392.54 63,747.63 118,111.34 218,757.49

1040 13,660.95 18,660.43 34,807.49 64,904.43 120,976.83 225,409.53

1050 13,701.99 18,772.70 35,227.44 66,082.22 123,911.84 232,263.84

1060 13,743.15 18,885.63 35,652.46 67,281.38 126,918.04 239,326.58

1070 13,784.43 18,999.25 36,082.61 68,502.29 129,997.19 246,604.06

1080 13,825.85 19,113.55 36,517.95 69,745.37 133,151.02 254,102.87

1090 13,867.39 19,228.55 36,958.54 71,011.00 136,381.38 261,829.70

1100 13,909.05 19,344.23 37,404.44 72,299.60 139,690.11 269,791.48

1110 13,950.83 19,460.61 37,855.73 73,611.58 143,079.13 277,995.36

1120 13,992.75 19,577.69 38,312.46 74,947.38 146,550.35 286,448.72

1130 14,034.79 19,695.47 38,774.70 76,307.42 150,105.78 295,159.12

1140 14,076.95 19,813.96 39,242.52 77,692.11 153,747.47 304,134.39

1150 14,119.23 19,933.17 39,715.97 79,101.96 157,477.52 313,382.59

1160 14,161.65 20,053.09 40,195.15 80,537.39 161,298.05 322,912.01

1170 14,204.19 20,173.74 40,680.10 81,998.86 165,211.29 332,731.19

1180 14,246.86 20,295.11 41,170.91 83,486.86 169,219.46 342,848.97

1190 14,289.66 20,417.21 41,667.62 85,001.86 173,324.87 353,274.41

1200 14,332.59 20,540.05 42,170.32 86,544.34 177,529.89 364,016.86

1210 14,375.64 20,663.62 42,679.11 88,114.81 181,836.91 375,085.98

1220 14,418.82 20,787.95 43,194.03 89,713.79 186,248.44 386,491.70

1230 14,462.14 20,913.02 43,715.17 91,341.78 190,766.98 398,244.23

1240 14,505.59 21,038.85 44,242.59 92,999.32 195,395.16 410,354.14

1250 14,549.16 21,165.42 44,776.37 94,686.92 200,135.61 422,832.30

5 years

MD 3 6 12 18 24 30

1260 14,592.87 21,292.76 45,316.59 96,405.18 204,991.07 435,689.90

1270 14,636.71 21,420.86 45,863.34 98,154.59 209,964.33 448,938.47

1280 14,680.67 21,549.73 46,416.68 99,935.74 215,058.23 462,589.91

1290 14,724.77 21,679.38 46,976.70 101,749.22 220,275.72 476,656.47

1300 14,769.01 21,809.81 47,543.48 103,595.62 225,619.81 491,150.77

1310 14,813.37 21,941.03 48,117.09 105,475.51 231,093.55 506,085.80

1320 14,857.87 22,073.03 48,697.64 107,389.53 236,700.08 521,474.99

1330 14,902.51 22,205.83 49,285.19 109,338.29 242,442.62 537,332.14

1340 14,947.27 22,339.43 49,879.81 111,322.39 248,324.49 553,671.47

1350 14,992.17 22,473.83 50,481.62 113,342.49 254,349.05 570,507.66

1360 15,037.21 22,609.03 51,090.69 115,399.26 260,519.78 587,855.79

1370 15,082.38 22,745.05 51,707.10 117,493.35 266,840.22 605,731.47

1380 15,127.69 22,881.89 52,330.95 119,625.44 273,313.99 624,150.71

1390 15,173.14 23,019.56 52,962.32 121,796.22 279,944.82 643,130.04

1400 15,218.71 23,158.05 53,601.30 124,006.39 286,736.54 662,686.50

1410 15,264.44 23,297.36 54,248.00 126,256.67 293,693.02 682,837.65

1420 15,310.29 23,437.53 54,902.51 128,547.78 300,818.25 703,601.55

1430 15,356.28 23,578.53 55,564.91 130,880.49 308,116.35 724,996.86

1440 15,402.42 23,720.39 56,235.31 133,255.51 315,591.52 747,042.75

1450 15,448.68 23,863.09 56,913.78 135,673.63 323,248.05 769,759.02

1460 15,495.09 24,006.67 57,600.44 138,135.63 331,090.32 793,166.04

1470 15,541.64 24,151.09 58,295.39 140,642.30 339,122.86 817,284.85

1480 15,588.33 24,296.39 58,998.72 143,194.46 347,350.28 842,137.05

1490 15,635.16 24,442.57 59,710.54 145,792.95 355,777.30 867,744.98

1500 15,682.12 24,589.62 60,430.94 148,438.58 364,408.77 894,131.58

1510 15,729.23 24,737.55 61,160.04 151,132.21 373,249.63 921,320.54

6 years

MD 3 6 12 18 24 30

1520 15,776.48 24,886.37 61,897.93 153,874.74 382,304.99 949,336.29

1530 15,823.87 25,036.09 62,644.72 156,667.01 391,580.03 978,203.95

1540 15,871.41 25,186.71 63,400.53 159,509.98 401,080.10 1,007,949.44

1550 15,919.08 25,338.24 64,165.45 162,404.52 410,810.65 1,038,599.43

1560 15,966.91 25,490.69 64,939.60 165,351.59 420,777.27 1,070,181.43

1570 16,014.87 25,644.04 65,723.09 168,352.14 430,985.70 1,102,723.79

1580 16,062.98 25,798.31 66,516.04 171,407.14 441,441.79 1,136,255.70

1590 16,111.23 25,953.52 67,318.57 174,517.57 452,151.55 1,170,807.27

1600 16,159.62 26,109.67 68,130.77 177,684.45 463,121.14 1,206,409.48

1610 16,208.17 26,266.74 68,952.78 180,908.79 474,356.85 1,243,094.31

1620 16,256.86 26,424.79 69,784.68 184,191.66 485,865.16 1,280,894.65

1630 16,305.70 26,583.74 70,626.63 187,534.09 497,652.67 1,319,844.40

1640 16,354.67 26,743.69 71,478.74 190,937.18 509,726.16 1,359,978.57

1650 16,403.81 26,904.58 72,341.13 194,402.04 522,092.54 1,401,333.17

1660 16,453.08 27,066.43 73,213.93 197,929.74 534,758.95 1,443,945.26

1670 16,502.51 27,229.28 74,097.26 201,521.48 547,732.66 1,487,853.13

1680 16,552.08 27,393.13 74,991.24 205,178.40 561,021.13 1,533,096.15

1690 16,601.81 27,557.96 75,896.02 208,901.68 574,631.98 1,579,714.95

1700 16,651.68 27,723.71 76,811.68 212,692.52 588,573.05 1,627,751.33

1710 16,701.71 27,890.46 77,738.41 216,552.15 602,852.35 1,677,248.41

1720 16,751.88 28,058.21 78,676.33 220,481.80 617,478.09 1,728,250.62

1730 16,802.21 28,227.05 79,625.56 224,482.76 632,458.65 1,780,803.71

1740 16,852.68 28,396.90 80,586.26 228,556.33 647,802.65 1,834,954.85

1750 16,903.31 28,567.75 81,558.54 232,703.81 663,518.91 1,890,752.62

1760 16,954.08 28,739.60 82,542.55 236,926.57 679,616.46 1,948,247.10

7 years

MD 3 6 12 18 24 30

1770 17,005.02 28,912.51 83,538.45 241,225.96 696,104.54 2,007,489.90

1780 17,056.10 29,086.46 84,546.35 245,603.38 712,992.65 2,068,534.18

1790 17,107.34 29,261.44 85,566.41 250,060.23 730,290.47 2,131,434.70

1800 17,158.73 29,437.49 86,598.77 254,597.94 748,007.95 2,196,247.93

1810 17,210.28 29,614.59 87,643.58 259,218.01 766,155.30 2,263,032.00

1820 17,261.98 29,792.74 88,700.99 263,921.90 784,742.89 2,331,846.87

1830 17,313.83 29,971.99 89,771.17 268,711.15 803,781.43 2,402,754.29

1840 17,365.85 30,152.31 90,854.23 273,587.32 823,281.89 2,475,817.87

1850 17,418.01 30,333.71 91,950.40 278,551.97 843,255.42 2,551,103.18

1860 17,470.34 30,516.20 93,059.78 283,606.71 863,713.53 2,628,677.79

1870 17,522.82 30,699.79 94,182.54 288,753.17 884,667.96 2,708,611.30

1880 17,575.46 30,884.49 95,318.86 293,993.04 906,130.77 2,790,975.43

1890 17,628.26 31,070.30 96,468.88 299,327.99 928,114.28 2,875,844.14

1900 17,681.21 31,257.22 97,632.78 304,759.76 950,631.13 2,963,293.55

1910 17,734.33 31,445.27 98,810.72 310,290.09 973,694.26 3,053,402.14

1920 17,787.60 31,634.46 100,002.88 315,920.77 997,316.92 3,146,250.78

1930 17,841.04 31,824.77 101,209.43 321,653.63 1,021,512.69 3,241,922.80

1940 17,894.64 32,016.24 102,430.53 327,490.53 1,046,295.47 3,340,504.02

1950 17,948.39 32,208.85 103,666.35 333,433.34 1,071,679.51 3,442,082.93

1960 18,002.31 32,402.63 104,917.10 339,483.98 1,097,679.36 3,546,750.67

1970 18,056.39 32,597.57 106,182.92 345,644.42 1,124,310.00 3,654,601.18

1980 18,110.64 32,793.68 107,464.02 351,916.66 1,151,586.72 3,765,731.22

1990 18,165.04 32,990.98 108,760.58 358,302.71 1,179,525.22 3,880,240.53

2000 18,219.60 33,189.46 110,072.78 364,804.65 1,208,141.50 3,998,231.87

2010 18,274.34 33,389.14 111,400.80 371,424.57 1,237,452.05 4,119,811.14

8 years

MD 3 6 12 18 24 30

2020 18,329.24 33,590.02 112,744.84 378,164.61 1,267,473.71 4,245,087.41

2030 18,384.30 33,792.10 114,105.10 385,026.97 1,298,223.73 4,374,173.11

2040 18,439.54 33,995.41 115,481.77 392,013.88 1,329,719.76 4,507,184.09

2050 18,494.94 34,199.94 116,875.05 399,127.56 1,361,979.92 4,644,239.70

2060 18,550.50 34,405.69 118,285.14 406,370.33 1,395,022.73 4,785,462.95

2070 18,606.24 34,612.69 119,712.24 413,744.52 1,428,867.18 4,930,980.54

2080 18,662.14 34,820.93 121,156.57 421,252.53 1,463,532.73 5,080,923.06

2090 18,718.20 35,030.43 122,618.33 428,896.79 1,499,039.30 5,235,425.09

2100 18,774.44 35,241.18 124,097.72 436,679.76 1,535,407.27 5,394,625.25

2110 18,830.84 35,453.20 125,594.94 444,603.97 1,572,657.58 5,558,666.40

2120 18,887.40 35,666.49 127,110.24 452,671.99 1,610,811.63 5,727,695.75

2130 18,944.14 35,881.07 128,643.83 460,886.41 1,649,891.32 5,901,865.00

2140 19,001.05 36,096.94 130,195.91 469,249.89 1,689,919.11 6,081,330.43

2150 19,058.13 36,314.11 131,766.72 477,765.13 1,730,918.02 6,266,253.09

2160 19,115.38 36,532.58 133,356.48 486,434.91 1,772,911.59 6,456,798.93

2170 19,172.80 36,752.37 134,965.42 495,261.99 1,815,923.96 6,653,138.93

2180 19,230.40 36,973.47 136,593.78 504,249.25 1,859,979.84 6,855,449.29

2190 19,288.16 37,195.90 138,241.78 513,399.62 1,905,104.56 7,063,911.56

2200 19,346.11 37,419.67 139,909.68 522,716.03 1,951,324.03 7,278,712.80

2210 19,404.23 37,644.80 141,597.68 532,201.50 1,998,664.84 7,500,045.77

2220 19,462.52 37,871.28 143,306.06 541,859.10 2,047,154.19 7,728,109.09

2230 19,520.98 38,099.12 145,035.05 551,691.95 2,096,819.93 7,963,107.42

2240 19,579.63 38,328.33 146,784.90 561,703.24 2,147,690.60 8,205,251.64

2250 19,638.45 38,558.92 148,555.85 571,896.20 2,199,795.45 8,454,759.02

2260 19,697.45 38,790.90 150,348.18 582,274.10 2,253,164.40 8,711,853.50

9 years

MD 3 6 12 18 24 30

2270 19,756.62 39,024.27 152,162.14 592,840.33 2,307,828.11 8,976,765.78

2280 19,815.97 39,259.04 153,997.95 603,598.31 2,363,818.02 9,249,733.58

2290 19,875.50 39,495.23 155,855.94 614,551.50 2,421,166.30 9,531,001.85

2300 19,935.21 39,732.85 157,736.35 625,703.45 2,479,905.89 9,820,823.02

2310 19,995.09 39,971.89 159,639.44 637,057.77 2,540,070.56 10,119,457.15

2320 20,055.15 40,212.37 161,565.50 648,618.13 2,601,694.88 10,427,172.20

2330 20,115.40 40,454.30 163,514.78 660,388.27 2,664,814.26 10,744,244.33

2340 20,175.83 40,697.68 165,487.58 672,372.01 2,729,464.95 11,070,958.06

2350 20,236.44 40,942.53 167,484.19 684,573.22 2,795,684.13 11,407,606.60

2360 20,297.23 41,188.85 169,504.89 696,995.83 2,863,509.86 11,754,492.03

2370 20,358.20 41,436.65 171,549.96 709,643.85 2,932,981.08 12,111,925.66

2380 20,419.35 41,685.95 173,619.71 722,521.41 3,004,137.74 12,480,228.21

2390 20,480.69 41,936.75 175,714.42 735,632.64 3,077,020.73 12,859,730.19

2400 20,542.22 42,189.05 177,834.42 748,981.79 3,151,671.91 13,250,772.18

2410 20,603.93 42,442.86 179,979.99 762,573.18 3,228,134.20 13,653,705.08

2420 20,665.82 42,698.21 182,151.45 776,411.21 3,306,451.53 14,068,890.46

2430 20,727.90 42,955.10 184,349.10 790,500.35 3,386,668.90 14,496,700.89

2440 20,790.17 43,213.52 186,573.27 804,845.17 3,468,832.43 14,937,520.30

2450 20,852.62 43,473.50 188,824.28 819,450.29 3,552,989.31 15,391,744.26

2460 20,915.27 43,735.05 191,102.45 834,320.45 3,639,187.90 15,859,780.37

2470 20,978.10 43,998.17 193,408.10 849,460.45 3,727,477.74 16,342,048.66

2480 21,041.12 44,262.87 195,741.60 864,875.20 3,817,909.57 16,838,981.87

2490 21,104.33 44,529.17 198,103.22 880,569.66 3,910,535.34 17,351,025.97

2500 21,167.73 44,797.07 200,493.33 896,548.92 4,005,408.31 17,878,640.42

2510 21,231.32 45,066.58 202,912.28 912,818.14 4,102,582.99 18,422,298.70

10 years

MD 3 6 12 18 24 30

2520 21,295.10 45,337.71 205,360.42 929,382.58 4,202,115.20 18,982,488.69

2530 21,359.07 45,610.47 207,838.09 946,247.64 4,304,062.15 19,559,713.09

2540 21,423.24 45,884.87 210,345.66 963,418.72 4,408,482.41 20,154,489.87

2550 21,487.59 46,160.92 212,883.47 980,901.39 4,515,436.01 20,767,352.77

2560 21,552.14 46,438.64 215,451.91 998,701.31 4,624,984.41 21,398,851.76

2570 21,616.89 46,718.02 218,051.33 1,016,824.25 4,737,190.53 22,049,553.55

2580 21,681.83 46,999.09 220,682.12 1,035,276.06 4,852,118.87 22,720,042.05

2590 21,746.96 47,281.85 223,344.64 1,054,062.69 4,969,835.48 23,410,918.95

2600 21,812.29 47,566.31 226,039.30 1,073,190.25 5,090,408.01 24,122,804.22

2610 21,877.82 47,852.48 228,766.46 1,092,664.89 5,213,905.72 24,856,336.64

2620 21,943.55 48,140.38 231,526.53 1,112,492.94 5,340,399.60 25,612,174.52

2630 22,009.47 48,430.00 234,319.90 1,132,680.79 5,469,962.31 26,390,996.11

2640 22,075.58 48,721.38 237,146.97 1,153,234.97 5,602,668.33 27,193,500.31

2650 22,141.89 49,014.50 240,008.15 1,174,162.13 5,738,593.91 28,020,407.26

2660 22,208.40 49,309.38 242,903.86 1,195,469.08 5,877,817.17 28,872,459.00

2670 22,275.11 49,606.04 245,834.49 1,217,162.67 6,020,418.10 29,750,420.15

2680 22,342.02 49,904.48 248,800.49 1,239,249.91 6,166,478.65 30,655,078.57

2690 22,409.13 50,204.71 251,802.29 1,261,737.97 6,316,082.78 31,587,246.08

2700 22,476.44 50,506.76 254,840.29 1,284,634.10 6,469,316.43 32,547,759.17

2710 22,543.96 50,810.62 257,914.96 1,307,945.71 6,626,267.65 33,537,479.80

2720 22,611.69 51,116.30 261,026.71 1,331,680.36 6,787,026.63 34,557,296.10

2730 22,679.62 51,423.84 264,175.99 1,355,845.70 6,951,685.78 35,608,123.25

2740 22,747.75 51,733.21 267,363.27 1,380,449.56 7,120,339.70 36,690,904.22

2750 22,816.08 52,044.45 270,589.02 1,405,499.89 7,293,085.32 37,806,610.66

2760 22,884.62 52,357.57 273,853.69 1,431,004.80 7,470,021.88 38,956,243.79

2770 22,953.37 52,672.56 277,157.72 1,456,972.52 7,651,251.07 40,140,835.27

11 years

MD 3 6 12 18 24 30

2780 23,022.32 52,989.45 280,501.64 1,483,411.46 7,836,877.03 41,361,448.09

2790 23,091.48 53,308.25 283,885.90 1,510,330.20 8,027,006.45 42,619,177.65

2800 23,160.85 53,628.95 287,310.97 1,537,737.40 8,221,748.58 43,915,152.57

2810 23,230.42 53,951.59 290,777.38 1,565,641.96 8,421,215.31 45,250,535.82

2820 23,300.21 54,276.19 294,285.60 1,594,052.89 8,625,521.28 46,626,525.75

2830 23,370.20 54,602.71 297,836.17 1,622,979.36 8,834,783.89 48,044,357.14

2840 23,440.41 54,931.21 301,429.55 1,652,430.76 9,049,123.39 49,505,302.30

2850 23,510.82 55,261.71 305,066.29 1,682,416.61 9,268,662.96 51,010,672.24

2860 23,581.45 55,594.21 308,746.92 1,712,946.56 9,493,528.75 52,561,817.88

2870 23,652.29 55,928.71 312,471.96 1,744,030.51 9,723,849.98 54,160,131.14

2880 23,723.34 56,265.21 316,241.95 1,775,678.57 9,959,759.00 55,807,046.32

2890 23,794.61 56,603.71 320,057.42 1,807,900.92 10,201,391.37 57,504,041.32

2900 23,866.09 56,944.24 323,918.92 1,840,708.02 10,448,885.95 59,252,638.99

2910 23,937.78 57,286.84 327,827.00 1,874,110.43 10,702,384.97 61,054,408.46

2920 24,009.69 57,631.49 331,782.22 1,908,118.97 10,962,034.09 62,910,966.60

2930 24,081.82 57,978.21 335,785.17 1,942,744.66 11,227,982.54 64,823,979.46

2940 24,154.16 58,327.02 339,836.42 1,977,998.68 11,500,383.11 66,795,163.68

2950 24,226.72 58,677.93 343,936.54 2,013,892.44 11,779,392.35 68,826,288.19

2960 24,299.50 59,030.95 348,086.12 2,050,437.56 12,065,170.61 70,919,175.64

2970 24,372.50 59,386.09 352,285.78 2,087,645.82 12,357,882.10 73,075,704.18

2980 24,445.71 59,743.36 356,536.13 2,125,529.29 12,657,695.02 75,297,808.96

2990 24,519.14 60,102.80 360,837.75 2,164,100.20 12,964,781.67 77,587,484.10

3000 24,592.80 60,464.39 365,191.27 2,203,371.05 13,279,318.51 79,946,784.27

3010 24,666.68 60,828.16 369,597.31 2,243,354.52 13,601,486.27 82,377,826.64

3020 24,740.78 61,194.11 374,056.51 2,284,063.56 13,931,470.10 84,882,792.77

12 years

MD 3 6 12 18 24 30

3030 24,815.10 61,562.27 378,569.53 2,325,511.33 14,269,459.64 87,463,930.55

3040 24,889.64 61,932.65 383,136.96 2,367,711.23 14,615,649.08 90,123,556.23

3050 24,964.41 62,305.25 387,759.51 2,410,676.92 14,970,237.38 92,864,056.51

3060 25,039.41 62,680.10 392,437.83 2,454,422.27 15,333,428.31 95,687,890.62

3070 25,114.63 63,057.20 397,172.62 2,498,961.46 15,705,430.57 98,597,592.60

3080 25,190.07 63,436.57 401,964.51 2,544,308.86 16,086,457.92 101,595,773.55

3090 25,265.75 63,818.22 406,814.23 2,590,479.16 16,476,729.32 104,685,123.94

3100 25,341.65 64,202.17 411,722.43 2,637,487.30 16,876,469.03 107,868,416.11

3110 25,417.77 64,588.42 416,689.86 2,685,348.46 17,285,906.79 111,148,506.63

3120 25,494.13 64,977.00 421,717.23 2,734,078.15 17,705,277.85 114,528,338.98

3130 25,570.72 65,367.92 426,805.25 2,783,692.10 18,134,823.22 118,010,946.17

3140 25,647.54 65,761.18 431,954.65 2,834,206.37 18,574,789.74 121,599,453.37

3150 25,724.59 66,156.82 437,166.19 2,885,637.29 19,025,430.22 125,297,080.81

3160 25,801.87 66,554.84 442,440.60 2,938,001.53 19,487,003.62 129,107,146.65

3170 25,879.38 66,955.24 447,778.64 2,991,315.98 19,959,775.19 133,033,069.94

3180 25,957.12 67,358.06 453,181.08 3,045,597.90 20,444,016.61 137,078,373.73

3190 26,035.10 67,763.29 458,648.71 3,100,864.84 20,940,006.16 141,246,688.15

3200 26,113.31 68,170.97 464,182.31 3,157,134.69 21,448,028.83 145,541,753.74

3210 26,191.76 68,581.10 469,782.68 3,214,425.63 21,968,376.58 149,967,424.80

3220 26,270.44 68,993.70 475,450.61 3,272,756.22 22,501,348.41 154,527,672.81

3230 26,349.36 69,408.80 481,186.92 3,332,145.29 23,047,250.60 159,226,590.02

3240 26,428.51 69,826.40 486,992.44 3,392,612.07 23,606,396.84 164,068,393.10

3250 26,507.91 70,246.50 492,868.00 3,454,176.11 24,179,108.46 169,057,426.97

3260 26,587.53 70,669.12 498,814.45 3,516,857.33 24,765,714.58 174,198,168.67

3270 26,667.41 71,094.28 504,832.65 3,580,675.99 25,366,552.25 179,495,231.38

13 years

MD 3 6 12 18 24 30

3280 26,747.52 71,522.00 510,923.45 3,645,652.73 25,981,966.78 184,953,368.51

3290 26,827.87 71,952.29 517,087.76 3,711,808.58 26,612,311.79 190,577,478.08

3300 26,908.47 72,385.18 523,326.45 3,779,164.92 27,257,949.52 196,372,607.01

3310 26,989.29 72,820.67 529,640.41 3,847,743.55 27,919,250.98 202,343,955.72

3320 27,070.37 73,258.77 536,030.53 3,917,566.65 28,596,596.19 208,496,882.74

3330 27,151.69 73,699.51 542,497.76 3,988,656.78 29,290,374.38 214,836,909.55

3340 27,233.27 74,142.91 549,043.00 4,061,036.93 30,000,984.22 221,369,725.52

3350 27,315.07 74,588.98 555,667.20 4,134,730.54 30,728,834.09 228,101,193.05

3360 27,397.12 75,037.72 562,371.33 4,209,761.44 31,474,342.20 235,037,352.78

3370 27,479.42 75,489.16 569,156.35 4,286,153.88 32,237,936.97 242,184,429.04

3380 27,561.97 75,943.32 576,023.24 4,363,932.58 33,020,057.25 249,548,835.41

3390 27,644.77 76,400.22 582,972.98 4,443,122.70 33,821,152.41 257,137,180.56

3400 27,727.82 76,859.87 590,006.57 4,523,749.84 34,641,682.85 264,956,274.05

3410 27,811.12 77,322.28 597,125.01 4,605,840.09 35,482,120.06 273,013,132.55

3420 27,894.67 77,787.46 604,329.33 4,689,419.98 36,342,947.01 281,314,986.08

3430 27,978.47 78,255.45 611,620.59 4,774,516.56 37,224,658.38 289,869,284.49

3440 28,062.52 78,726.25 618,999.79 4,861,157.34 38,127,760.83 298,683,704.21

3450 28,146.82 79,199.88 626,468.02 4,949,370.33 39,052,773.32 307,766,155.06

3460 28,231.37 79,676.37 634,026.36 5,039,184.10 40,000,227.43 317,124,787.43

3470 28,316.17 80,155.72 641,675.90 5,130,627.67 40,970,667.58 326,767,999.49

3480 28,401.24 80,637.95 649,417.72 5,223,730.62 41,964,651.45 336,704,444.83

3490 28,486.56 81,123.09 657,252.95 5,318,523.06 42,982,750.23 346,943,040.14

3500 28,572.14 81,611.14 665,182.72 5,415,035.65 44,025,548.97 357,492,973.30

3510 28,657.96 82,102.12 673,208.16 5,513,299.60 45,093,646.91 368,363,711.56

3520 28,744.06 82,596.07 681,330.42 5,613,346.71 46,187,657.82 379,565,009.99

14 years

MD 3 6 12 18 24 30

3530 28,830.41 83,093.02 689,550.68 5,715,209.30 47,308,210.39 391,106,920.40

3540 28,917.01 83,592.97 697,870.12 5,818,920.36 48,455,948.54 402,999,800.19

3550 29,003.89 84,095.92 706,289.92 5,924,513.41 49,631,531.80 415,254,321.71

3560 29,091.01 84,601.87 714,811.31 6,032,022.60 50,835,635.74 427,881,481.88

3570 29,178.41 85,110.84 723,435.50 6,141,482.71 52,068,952.30 440,892,611.98

3580 29,266.06 85,622.89 732,163.74 6,252,929.14 53,332,190.17 454,299,387.87

3590 29,353.98 86,138.02 740,997.30 6,366,397.94 54,626,075.28 468,113,840.45

3600 29,442.16 86,656.24 749,937.43 6,481,925.80 55,951,351.17 482,348,366.44

3610 29,530.61 87,177.58 758,985.42 6,599,550.08 57,308,779.39 497,015,739.56

3620 29,619.32 87,702.07 768,142.59 6,719,308.81 58,699,139.99 512,129,121.93

3630 29,708.30 88,229.70 777,410.23 6,841,240.78 60,123,231.95 527,702,075.93

3640 29,797.55 88,760.50 786,789.69 6,965,385.37 61,581,873.62 543,748,576.32

3650 29,887.06 89,294.50 796,282.32 7,091,782.74 63,075,903.21 560,283,022.81

3660 29,976.84 89,831.72 805,889.47 7,220,473.81 64,606,179.23 577,320,253.01

3670 30,066.89 90,372.17 815,612.53 7,351,500.14 66,173,581.08 594,875,555.68

3680 30,157.21 90,915.87 825,452.91 7,484,904.16 67,779,009.44 612,964,684.51

3690 30,247.81 91,462.84 835,411.99 7,620,728.98 69,423,386.89 631,603,872.20

3700 30,338.68 92,013.10 845,491.24 7,759,018.55 71,107,658.37 650,809,845.12

3710 30,429.82 92,566.67 855,692.11 7,899,817.59 72,832,791.73 670,599,838.19

3720 30,521.23 93,123.57 866,016.05 8,043,171.66 74,599,778.32 690,991,610.45

3730 30,612.92 93,683.82 876,464.54 8,189,127.10 76,409,633.52 712,003,460.97

3740 30,704.88 94,247.44 887,039.08 8,337,731.10 78,263,397.40 733,654,245.25

3750 30,797.12 94,814.45 897,741.21 8,489,031.75 80,162,135.18 755,963,392.15

3760 30,889.63 95,384.88 908,572.46 8,643,077.99 82,106,937.98 778,950,921.31

3770 30,982.43 95,958.74 919,534.41 8,799,919.62 84,098,923.40 802,637,461.15

15 years

MD 3 6 12 18 24 30

3780 31,075.50 96,536.05 930,628.61 8,959,607.39 86,139,236.11 827,044,267.40

Note how both 3 and 6 basis points per day NEVER make it to $100,000 after 15 years; 12 bps takes over 7 years, yet 18 bps takes just over 5 years. At the average rate blockdesk is currently running, it takes less than 4 years to turn $10,000 into $100,000.
At 24 bps the exact same $10,000 reaches one million almost as quickly as it takes for ten thousand to reach one hundred thousand running at 12 bps during the same year (note the green and blue cells in year 7). That is a nearly tenfold difference in nearly the same length of time simply by improving performance, and clearly illustrates how much leverage time exerts on the combination of decent performance and compounding. It also shows a stark and bleak outlook for the alternative of Buy and Hold. Just how much time do you have left?
back