🐦
Xiao Ming (Early Bird)
Starts at 20, invests for 10 years, then STOPS adding money.
Invested: US$100,000
🐜
Xiao Hong (Diligent Bird)
Starts at 30, invests every year until age 60 (30 years).
Invested: US$300,000
The Magic of Time
Age 60:A US$170万vsB US$132万
Early Bird (A) Wins! Less effort, more result. (Notice how the blue line (Early Bird) stays ahead or competitive despite stopping contributions at age 30, thanks to the longer time period for compound interest to work.)
Control Panel
US$10,000
8%
Age 60 Comparison
🐦 Xiao Ming (Early Bird)
US$170万
Invested
US$100,000
Earned
+US$160万
🐜 Xiao Hong (Diligent Bird)
US$132万
Invested
US$300,000
Earned
+US$102万
Difference
US$378,964
Early Bird Leads
📚Compound Interest Formula
A = P × (1 + r)n
AFinal Value
PPrincipal
rRate
nPeriod