Saving and Investing

This is how your nest-egg might work out, assuming you put aside annually 10% (ie, 240 g) of your constant earnings of 2,400 gold grams per year:-

Portfolio size in gold grams following investment of 240 grams/year
Years	3%/yr	5%/yr	10%/yr	15%/yr	20%/yr
5	1,839	1,954	2,277	2,656	3,100
10	3,406	3,820	5,132	6,960	9,499
15	5,223	6,202	9,731	15,618	25,423
20	7,329	9,241	17,137	33,032	65,047
25	9,770	13,121	29,064	68,057	163,645
30	12,601	18,072	48,273	138,504	408,986
35	15,882	24,391	79,209	280,199	1,019,475
40	19,686	32,456	129,033	565,199	2,538,565

In 2006, 2400 grams equated to just over $50,000 so that result will apply to most of the population. Perhaps you'll not achieve an average ROI of 20%, but if you achieve 5% and do it for 40 years, your nest-egg will be 32,456 gold grams, equivalent in 2006 to almost $700,000.

By the way: the blue shading in the table indicates those who could retire by the stage shown, on an investment income higher than the 2,400 grams/yr they were being paid for working. Happy is the one whose career begins in the new free society!

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