Topic Hub
Investing Basics
Build a stronger investing foundation with return benchmarks, growth calculators, and practical investing explainers.
Use this hub to build more realistic investing assumptions around long-term returns, benchmarks, and growth projections before you turn them into an actual plan or contribution target.
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Investment Calculator
Estimate how an investment could grow from a starting amount, recurring monthly investing, and an assumed long-term return.
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How to Calculate Your Investment Returns the Right Way
Learn how to calculate investment returns correctly — from simple holding period return to CAGR, IRR, and real inflation-adjusted returns. Includes formulas, examples, and a step-by-step checklist.
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Key questions this hub helps answer
- How should you estimate investment growth without using unrealistic return assumptions?
- What counts as a useful benchmark for a long-term investing plan?
- How much should historical market averages influence your expectations?
- Which calculator fits a general investing scenario versus a retirement-specific one?
How This Hub Works
Use the tools and guides together
Start with the investment calculator to model a long-term plan using contribution and return assumptions you can actually defend. Then use the articles to compare benchmarks, pressure-test your expectations against historical context, and decide when a general investing projection is enough versus when a more specific compounding or retirement tool should take over.
Supporting Calculators
Estimate how savings or investments may grow over time from a starting balance, monthly contributions, and compound growth.
Estimate how much you could have saved by retirement based on your age, current retirement savings, monthly contributions, and expected annual return.
Supporting Articles
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What Is a Good Investment Return? Benchmarks You Should Know
What counts as a good return on investment depends on your asset class, time horizon, and goals. Learn the key benchmarks — from S&P 500 averages to inflation-adjusted returns — to evaluate your portfolio with confidence.
Article
Average Stock Market Returns Over the Last 50 Years
The S&P 500 has averaged ~10.5% annually over the last 50 years — about 7% after inflation. See the decade-by-decade breakdown, best and worst years, and how to use historical returns in your investment plan.
Related Topics
Topic Hub
Compound Interest and Growth
Explore how compounding changes long-term growth and how time, rate, and recurring contributions work together in real projections.
Topic Hub
Retirement Planning
Explore retirement savings targets, account choices, and long-term growth tools for planning the years ahead.