Consistency as a habit as of 2 뿯½ Horizon honesty
A glossy gross return that ignores fees, taxes or inflation is not the rate that compounds for you. Restore the last inputs for Consistency as a habit: “Horizon honesty” and 2 in one session. Paused contributions and panic sales change terminal wealth as surely as a lower expected return.
Do I need a high return for compounding to matter? Higher net rates help, but time and contributions often dominate — especially early. Costs and behaviour can erase a “good” rate. Treat outputs as scenario sketches. Vary contribution, rate, fees and inflation to see which lever moves your goal date.
Always ask whether a figure is nominal or real. A high nominal path can still lose purchasing power. No. Illustrations use round teaching numbers. Markets, inflation and taxes change. In the net rate that compounds. Expense ratios, advice charges and spreads all reduce terminal wealth.
From foundations, continue to contributions-vs-rate or fee-drag; for behaviour, open consistency-habit or panic-selling. This atlas page keeps the focus on mechanisms you can reason about: rates, time, contributions, costs and behaviour — not stock tips or promised yields. Separate contributions, growth, fees, taxes and withdrawals. Mixing them hides which lever actually moved.
Keep the name, the year, and 2. “Horizon honesty” is why those three stay. Restore the last inputs for Consistency as a habit: “Horizon honesty” and 2 in one session. 22
Figures to keep
- Year of the rule
- 2
- Figure in the sum
- 2
- Item
- Consistency as a habit
- Reason kept
- Horizon honesty
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