Importance of Higher Returns      
Earning the highest rate of return your risk tolerance will     
permit can make a big difference on the future value of       
investments over the long term.  Even a 1% or 2%       
difference in the rate of return can have a big impact.      
Initial investment  $   
Annual investment      $   
Years of growth    
    Lower Return   Higher Return  
Rate of return   % %
Difference between the two investments      
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Annual investments are made at the end of the year.  
This calculator is for educational purposes only. You should not rely on the results as an   
indication of your financial needs and we recommend that you seek out your own legal,  
accounting, taxor professional advice. The deduction of advisory fees, brokerage or   
other commissions and any other expenses that would have been paid may not be    
reflected in the calculation results.  
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