STEP
1  
Start now by resolving to divert a portion of
your income to regular investing immediately:
- Just $250 per month, for
example, can grow over 30 years to $607,047
- But delaying even one year
will cost you—even in this modest
$250-per-month example, a one-year delay costs
more than $57,000
- Time is so important because
money grows exponentially, so the earliest
contributions create most of the portfolio's
value—in this $250-per-month example, the
first ten years' contributions make up $426,066,
or 70% of the portfolio's final value
NEXT
STEP
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The 10% average annual return
depicted in this 1989 Charles Schwab brochure is not
unreasonable: the stock market's average annual return
from 1926 to 2003 was 11.3%
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