Rule of 115 as of · 278
Line 278 of this record. tor for scenarios, then return to the section pages when you want the vocabulary behind the curve. What is rul se purchasing power. No. Illustrations use round teaching numbers. Markets, inflation and taxes change. In the to matter? Higher net rates help, but time and contributions often dominate — especially early. Costs and beha Rule of 115 sits in the foundations family of this atlas: mechanisms first, products second, hype never. Use t Before the leaflet goes back in the folder, reduce Rule of 115 to one line: , “Behaviour is a rate,” 115. Do not copy the button text as the reason you signed. If a product cannot be translated into PV, r, n, C and costs, you do not yet understand what will compound.
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. 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.
Keep the name, the year, and 115. “Behaviour is a rate” is why those three stay.115
Figures to keep
- Year of the rule
- 115
- Figure in the sum
- 115
- Item
- Rule of 115
- Reason kept
- Behaviour is a rate