Dollar Cost Averaging (DCA) is oft-touted as the savior for all of investing’s problems. Reality, on the other hand, is a bit different – in this post we’ll show why lump sum investing usually beats dollar cost averaging when you have both options. We’ll use the S&P 500 in the United States as an example. […]

# Featured

## Bond Yield to Maturity (YTM) Calculator

On this page is a bond yield to maturity calculator, to automatically calculate the internal rate of return (IRR) earned on a certain bond. This calculator automatically assumes an investor holds to maturity, reinvests coupons, and all payments and coupons will be paid on time. The page also includes the approximate yield to maturity formula, […]

## S&P 500 Historical Return Calculator

On this page is a S&P 500 Historical Return calculator. You can input time-frames from 1 month up to 60 years and 11 months and see estimated annualized S&P 500 returns – that is, average sequential annual returns – if you bought and held over the full time period. Choose to adjust for dividend reinvestment […]

## Compound Interest Calculator

On this page is a detailed compound interest calculator, along with the compound interest formula and examples. The calculator allows you to calculate compound interest from a starting lump sum, periodic additions, and for annual, monthly, and daily compounding periods. The calculator also graphs the growth of the investment over time and report a final […]

## Present Value Calculator and Explanation of the Present Value Formula

On this page is a present value calculator, sometimes abbreviated as a PV Calculator. Present value is an estimate of the current sum needed to equal some future target amount to account for various risks. Using the present value formula (or a tool like ours), you can model the value of future money. Using the […]

## Compound Annual Growth Rate (CAGR) Calculator

On this page is a compound annual growth rate calculator, also known as CAGR. It takes a final dollar amount as input, along with a time frame and starting amount. The tool automatically calculates the average return per year (or period) as a geometric mean. The Compound Annual Growth Rate Calculator Using the Calculator Starting […]

## Nikkei Return Calculator, with Dividend Reinvestment

Below is a Nikkei Return calculator with dividend reinvestment, a necessary (yet rarely seen) feature to compare true investment returns. The return calculator can also factor in the Japanese CPI index to adjust returns for inflation. By default, return estimates are quoted in yen, but the tool also allows adjustment for the yen/dollar exchange rate […]

## Net Worth by Age Calculator for the United States in 2013

Ever wonder how your net worth stacks up with the rest of your age group in America? We made a net worth by age calculator using Federal Reserve data – merely enter your net worth and the age range of the primary earner in the household to see which net worth quantile your net worth puts you […]

## Can You Grow Wealth with Stocks? A Case Study.

As your career develops, you’ll find there are a few areas you need to get comfortable with when it comes to your money. First, of course, is your career itself. Second is your spending habits. Third is – the topic of today’s study – how to save and invest your money. And it’s an important […]

## How Many Accredited Investors and Households Are There in America?

We estimate that 8.25% of all American households – or roughly 10,108,811 households – count as Accredited Investors. (As of 2013, calculated using Federal Reserve SCF microdata). Further, they hold about 70.28% of all private wealth in this country, or a whopping $45.5 trillion. Let’s back up for a second for everyone not coming for […]