Frequently Asked Questions
What is the difference between lump-sum and regular investing?
Lump-sum invests a large amount at once, while regular (dollar-cost averaging) invests fixed amounts periodically. Regular investing reduces timing risk.
What return rate should I expect?
Returns vary by asset type: savings accounts 3-4%, bonds 4-6%, stocks (S&P 500 historical average) ~10%, real estate 5-8% annually.
Why does investment duration matter?
Compound interest accelerates over time. The same return rate produces dramatically different results over 10 years versus 30 years.
Updated 2026 — latest rates