Taylor & Beam - IRA Worksheet

Your IRA - It Pays to Start Early

This table shows the incredible power of compound interest over time. It also shows the dramatic effect
of letting interest compound WITHOUT TAXES BEING TAKEN OUT. All the example investors enjoy the
advantage of tax-deferred compounding, but the table also shows how much difference it makes
to start your tax-deferred investing early in life. The Chart is based on 10% Interest.

Age
You Begin Investing
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65

Investor A
Contribution	Year End Value
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
2,000	2,200
2,000	4,620
2,000	7,282
2,000	10,210
2,000	13,431
2,000	16,974
2,000	20,872
2,000	25,159
2,000	29,875
2,000	35,062
2,000	40,769
2,000	47,045
2,000	53,950
2,000	61,545
2,000	69,899
2,000	79,089
2,000	89,198
2,000	100,318
2,000	112,550
2,000	126,005
2,000	140,805
2,000	157,086
2,000	174,995
2,000	194,694
2,000	216,364
2,000	240,200
2,000	266,420
2,000	295,262
2,000	326,988
2,000	361,887
2,000	400,276
2,000	442,503
2,000	488,953
2,000	540,049
2,000	596,254
2,000	658,079
2,000	726,087
2,000	800,896
2,000	883,185
2,000	973,704

Investor B
Contribution	Year End Value
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
2,000	2,200
2,000	4,620
2,000	7,282
2,000	10,210
2,000	13,431
2,000	16,974
2,000	20,872
0	22,959
0	25,255
0	27,780
0	30,558
0	33,614
0	36,976
0	40,673
0	44,741
0	49,215
0	54,136
0	59,550
0	65,505
0	72,055
0	79,261
0	87,187
0	95,905
0	105,496
0	116,045
0	127,650
0	140,415
0	154,456
0	169,902
0	186,892
0	205,581
0	226,140
0	248,754
0	273,629
0	300,992
0	331,091
0	364,200
0	400,620
0	440,682
0	484,750
0	533,225
0	586,548

Investor C
Contribution	Year End Value
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
0	0
2,000	2,200
2,000	4,620
2,000	7,282
2,000	10,210
2,000	13,431
0	14,774
0	16,252
0	17,877
0	19,665
0	21,631
0	23,794
0	26,174
0	28,791
0	31,670
0	34,837
0	38,321
0	42,153
0	46,368
0	51,005
0	56,106
0	61,716
0	67,888
0	74,676
0	82,144
0	90,359
0	99,394
0	109,334
0	120,267
0	132,294
0	145,523
0	160,076
0	176,083
0	193,692
0	213,061
0	234,367
0	257,803
0	283,584
0	311,942
0	343,136
0	377,450
0	415,195
0	456,715
0	502,386
0	552,625
0	607,887
0	668,676
0	735,543

Investor D
Contribution	Year End Value
500	550
750	1,430
1000	2,673
1250	4,315
1500	6,397
1750	8,962
0	9,858
0	10,844
0	11,928
0	13,121
0	14,433
0	15,877
0	17,464
0	19,211
0	21,132
0	23,245
0	25,570
0	28,127
0	30,939
0	34,033
0	37,436
0	41,180
0	45,298
0	49,828
0	54,811
0	60,292
0	66,321
0	72,953
0	80,248
0	88,273
0	97,101
0	106,811
0	117,492
0	129,241
0	142,165
0	156,382
0	172,020
0	189,222
0	208,144
0	228,958
0	251,854
0	277,039
0	304,743
0	335,218
0	368,739
0	405,613
0	446,175
0	490,792
0	539,871
0	593,859
0	653,245
0	718,569
0	790,426
0	869,468
0	956,415
0	1,052,057
0	1,157,263
0	1,272,989

Investor E
Contribution	Year End Value
500	550
750	1,430
1000	2,673
1250	4,315
1500	6,397
1750	8,962
2000	12,058
2000	15,464
2000	19,210
2000	23,331
2000	27,865
2000	32,851
2000	38,336
2000	44,370
2000	51,007
2000	58,307
2000	66,338
2000	75,172
2000	84,889
2000	95,578
2000	107,336
2000	120,270
2000	134,497
2000	150,146
2000	167,361
2000	186,297
2000	207,127
2000	230,039
2000	255,243
2000	282,967
2000	313,464
2000	347,011
2000	383,912
2000	424,503
2000	469,153
2000	518,268
2000	572,295
2000	631,725
2000	697,097
2000	769,007
2000	848,108
2000	935,118
2000	1,030,830
2000	1,136,113
2000	1,251,925
2000	1,379,317
2000	1,519,449
2000	1,673,594
2000	1,843,153
2000	2,029,668
2000	2,234,835
2000	2,460,519
2000	2,708,771
2000	2,981,848
2000	3,282,232
2000	3,612,656
2000	3,976,121
2000	4,375,933