Interactive planning tool

Investment Projection App

Compare four constant-return scenarios and see how starting capital, recurring contributions, and time can change the modeled outcome.

Initial investment amount

Annual contribution

Time horizon15 years

Assumes the annual contribution is added at the end of each year.

Cash Reserve / Treasury Baseline

$620,770

3% / yearIllustrative baseline, not a quoted yield

Capital Preservation / Fixed Income

$747,357

5% / yearIllustrative return assumption

Balanced Index Portfolio

$904,129

7% / yearIllustrative return assumption

Diversified Growth Equity

$1,212,037

10% / yearIllustrative historical index benchmark

Modeled balance by year

Constant nominal return assumptions

15-year comparison

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Illustrative scenarios. Actual returns will vary.

This educational model compounds fixed annual assumptions of 3%, 5%, 7%, and 10%, with contributions at year-end. It excludes taxes, service and investment fees, inflation, withdrawals, changing yields, and volatility. It is not a forecast, a product quote, a recommendation, or the performance of an Aurum Strategy service.

The 10% scenario is a rounded illustrative historical index benchmark informed by long-run S&P 500 context, not an expected or guaranteed return for a diversified growth portfolio. Historical averages depend on the period and method used; a smooth compound path does not reproduce actual index returns. Source: Fidelity’s S&P 500 historical-return overview (March 6, 2026).

The 3% baseline is not a current Treasury or savings rate. “Capital preservation” names a scenario objective, not a guarantee. Market returns can be negative, and invested principal can be lost. Past performance does not predict future results. An index cannot be invested in directly. Consult licensed professionals for individualized investment, tax, or legal advice.