Project your investment returns over time with initial capital and regular contributions.
The most powerful force in investing isn't picking the perfect stock — it's time in the market. A $500 monthly contribution at 8% annual return grows to over $280,000 in 20 years. Importantly, $120,000 of that is your contributions, and $160,000+ is compound growth. The later years grow much faster because your base is larger. This is why starting early matters more than starting with a large amount.