Scores are editorial and relative within this atlas.
Every topic, every score
| Topic | Time sensitivity | Rate sensitivity | Contribution leverage | Behaviour risk | Tax & fee drag | Horizon fit |
|---|---|---|---|---|---|---|
| 📈 Compound interest | 96 | 88 | 72 | 55 | 70 | 90 |
| ⌛ Time value of money | 94 | 90 | 48 | 40 | 55 | 85 |
| ⚖️ Opportunity cost | 78 | 70 | 60 | 65 | 45 | 75 |
| 🔢 Rule of 72 | 88 | 92 | 30 | 50 | 40 | 70 |
| 🌡️ Nominal vs real returns | 82 | 86 | 45 | 48 | 60 | 88 |
| 🎛️ Contributions vs rate vs time | 90 | 84 | 95 | 58 | 55 | 92 |
| 📉 Fee drag | 85 | 75 | 40 | 35 | 98 | 80 |
| 🧾 Tax drag | 70 | 65 | 50 | 40 | 96 | 78 |
| ♻️ Reinvestment | 80 | 78 | 70 | 60 | 55 | 85 |
| 📅 Dollar-cost averaging | 72 | 55 | 88 | 30 | 35 | 75 |
| 🌱 Early start advantage | 98 | 70 | 85 | 45 | 50 | 95 |
| 🏃 Late catch-up saving | 88 | 75 | 97 | 62 | 80 | 70 |
| 🎢 Sequence of returns risk | 92 | 80 | 55 | 85 | 45 | 90 |
| 🏛️ Multi-decade & legacy horizons | 95 | 78 | 50 | 70 | 88 | 98 |
| 🏦 Cash & high-yield savings | 40 | 70 | 55 | 25 | 30 | 45 |
| 🧱 Bonds as ballast | 60 | 82 | 35 | 40 | 50 | 75 |
| 🌍 Broad equity index | 90 | 85 | 70 | 75 | 40 | 93 |
| 🤝 Employer match | 75 | 50 | 98 | 30 | 55 | 80 |
| 🔁 Consistency as a habit | 85 | 45 | 92 | 88 | 35 | 80 |
| 🛒 Lifestyle creep | 70 | 35 | 94 | 90 | 25 | 65 |
| 😱 Panic selling | 88 | 60 | 40 | 98 | 20 | 85 |
| 💵 Cash renaissance (2020s) | 55 | 88 | 50 | 55 | 40 | 60 |
| 🔥 FIRE variants | 90 | 80 | 93 | 70 | 65 | 88 |
| 📱 Auto-invest apps | 65 | 55 | 90 | 35 | 75 | 70 |