Plan A
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ABCDEFGHIJKLMNOPQRST
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Year0123456789101112131415
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Net Salary€ 100.00€ 100.00€ 100.00€ 100.00€ 100.00€ 100.00€ 100.00€ 100.00€ 100.00€ 100.00€ 100.00€ 100.00€ 100.00€ 100.00€ 100.00€ 100.00
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Saving rate (this is important!)40.00%40%40%40%40%40%40%40%40%40%40%40%40%40%40%40%
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Market growth (inc dividends)8.00%8.00%8.00%8.00%8.00%8.00%8.00%8.00%8.00%8.00%8.00%8.00%8.00%8%8%8%
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Capital (old capital + growth + savings)€ 0.00€ 40.00€ 83.20€ 129.86€ 180.24€ 234.66€ 293.44€ 356.91€ 425.47€ 499.50€ 579.46€ 665.82€ 759.09€ 859.81€ 968.60€ 1,086.08
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% of spending covered by investment growth0.00%5.33%11.09%17.31%24.03%31.29%39.12%47.59%56.73%66.60%77.26%88.78%101.21%114.64%129.15%144.81%
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Long-term average market growth reference Yahoo Finance (they say 10% average growth, I'm a little more conservative):
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http://finance.yahoo.com/funds/understanding_investing/article/100545/Stock_Performance_by_Decade
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€60€60€60€60€60€60€60€60€60€60€60€60€60€60€60€60
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€0€3.2€6.656€10.38848€14.4195584€18.773123072€23.47497291776€28.5529707511808€34.0372084112753€39.9601850841773€46.3569998909115€53.2655598821844€60.7268046727592€68.7849490465799€77.4877449703063€86.8867645679308
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