Self-taught years usually earn less.
Eduardo lost £10,000 learning alone.
Waiting costs your biggest year.
Yellow shows the years you'd lose.
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Eduardo's thinking, free.
How these numbers were worked out
Projections assume a constant annual rate compounded monthly, with the monthly amount added at the end of each month, before fees and taxes. The 3.6% and 9.5% rates are 20-year averages to 2021 for the average investor and the S&P 500 (Dalbar, via J.P. Morgan Asset Management). The 15% rate is the Like a Tortoise target, not a past result, forecast or promise. The learning years assume 3.6% while learning, then 15%. Income figures use an illustrative 4% dividend yield. The "what it feels like" line illustrates normal ups and downs and is not a forecast.
This projection is for education only and is not financial advice. Like a Tortoise provides investment coaching and is not authorised or regulated by the Financial Conduct Authority. Investments can fall as well as rise and you may get back less than you invest.