Employee Analysis and Planning Tools

Would you like to project your retirement account balance?

Please input whole dollar amounts and whole ages.

Do you want to know how long it will take to double your retirement savings
at a specific rate of return?

It's called the Rule of 72. You simply divide the number 72 by the rate of return.  Example, if you earned 10% each year your money will double every 7.2 years (72/10 = 7.2)  So if you have $20,000 now, you will have $40,000 in 7.2 years and $80,000 in 14.4 years.

When dividing 72 by an estimated rate of inflation, you would see how long it would take inflation to cut your buying power in half.  Example, if inflation was 2.5%, then in 28.8 years your buying power would be cut in half. (72/2.5 = 28.8)

Would you like to see how effective diversification can be?

What is your Risk Tolerance?
(Click on the category that fits you to view a possible allocation investment strategy
that you would be comfortable with.)

Conservative Investor - Income from investments and growth in capital play a role.  However, your primary concern is safety of principal.  Most people in this category invest primarily in money markets and bonds.

Moderate Investor - Safety of principal and growth in capital play a role.  However, your primary concern is income from investments.  Most people in this category invest in bonds and stocks with a history of dividend payments.

Aggressive Investor - Safety of principal and income from investment play a role.  However, your primary concern is growth in capital.  Most people in this category invest in both large cap and small cap stocks, index funds, emerging markets and international funds.