Rule of 115 as of · 225
In a household notebook, Rule of 115 is judged from . The line is “Lump sum path” and the figure in the sum is 10. A blinking gain on a screen is not the reason. The math aged slowly; the distribution channels — and the fee layers on top — changed fast.
A cousin of the Rule of 72 for tripling time — still a pocket estimate, still blind to fees and inflation. The Rule of 115 estimates years to triple money at a constant compound rate — a mnemonic, not a substitute for net and real returns. Rule of 115 sits in the foundations family of this atlas: mechanisms first, products second, hype never.
Use the calculator for scenarios, then return to the section pages when you want the vocabulary behind the curve. What is rule of 115 in one sentence? No. Tool-Lifes pages are educational atlases. Decisions need your goals, constraints and, when appropriate, a licensed adviser. 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.
For Rule of 115 in , the figure that stays is 10, named “Lump sum path.” Sparkle is not a figure.10
Figures to keep
- Year of the rule
- 10
- Figure in the sum
- 10
- Item
- Rule of 115
- Reason kept
- Lump sum path