How this projection works

IMPORTANT: The projections or other information generated by the Unstoppable Asset Growth Projection tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results.

Results may vary with each use and over time. Each time you press Calculate, the tool runs a new set of 10,000 random simulations, so results will differ slightly from one use to the next. Results will also change as the assumptions and historical data are updated.

How it works. The tool runs 10,000 simulations. For each year between your starting age and age 65, it picks one calendar year from 1928 to 2025 at random (a year can be picked more than once) and applies that year's actual stock and bond returns to a portfolio rebalanced every year to the mix you chose. It assumes you contribute the amount you entered once at the start of each year you invest and make no other contributions or withdrawals. The median is the middle result; the 10th and 90th percentiles are the results that 10% of simulations fell below and above, respectively.

Key assumptions. Stocks are represented by the S&P 500 index with dividends reinvested, and bonds by 10-year U.S. Treasury bonds, using annual returns from Aswath Damodaran, NYU Stern, Historical Returns on Stocks, Bonds and Bills (retrieved 2026-09-30). A total annual fee of 0.25% is deducted each year: our 0.15% advisory fee plus an estimated 0.1% in fund expenses. Taxes, other account costs, and future changes to contribution limits are not modeled.

Inflation. Amounts are shown in future dollars and are not adjusted for inflation. U.S. inflation averaged about 3% a year from 1928 to 2025. At that rate, $1 in 50 years would buy about what $0.22 buys today.

Limitations. Past performance does not guarantee future results. Future returns may be lower (or higher) than anything in the historical record, and real markets can have long stretches of good or bad years that random year-by-year sampling does not capture. You cannot invest directly in an index, and index returns do not reflect the costs of real funds, which the fee assumption only estimates. Your account can lose value, including in the years just before age 65.

Investments considered. The simulation uses only two broad asset classes, U.S. large-company stocks and U.S. Treasury bonds, as stand-ins. It does not simulate the specific funds in Unstoppable Asset portfolios, whose returns will differ, and it does not select or favor any particular investment. Other investments not considered may have characteristics similar or superior to those being analyzed. Unstoppable Asset portfolios range from 90% to 98% stocks depending on your risk tolerance questionnaire results.

This tool does not determine which securities to buy or sell and is not personalized investment advice. Roth IRA contributions cannot exceed your earned income for the year or the IRS annual limit ($7,500 for 2026).