Which one makes more $$$? Short-Term Difference: In Year 1, investing $12,000 upfront could generate $546.06 more in profit (+121% higher returns for that year) because the full sum earns interest for 12 months rather than trickling in gradually. Long-Term Difference: Over 30 years, that extra time in the market could generate $65,368.88 more in net profit for the annual lump sum approach, despite total out-of-pocket contributions being identical ($360,000). Investing involves risk, including the loss of principal. Click the link in bio for the full disclosure or visit https://bit.ly/AcornsSocialMediaDisclosures
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