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Starting early can make a big difference

While it may be difficult to put away a large sum of money right now, making regular contributions over time can increase the chances of reaching your goals.

The table below shows the difference investing over different time periods can make in the growth of your savings. For example, if you contribute $100 a month over 30 years you could amass $150,030 — compared with only $18,417 over 10 years.

Monthly contribution Annual contribution What you could have in:
5 years 10 years 20 years 30 years
$50 $600 $3,698 $9,208 $29,647 $75,015
100 1,200 7,397 18,417 59,295 150,030
150 1,800 11,095 27,625 88,942 225,044

Assumes an 8% annual return, compounded monthly.

This chart is for illustrative purposes only. It does not reflect the result of any particular investment, which will fluctuate with market conditions. Regular investing does not ensure a profit or protect against loss in a declining market. Your actual results may vary.


Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.