Bucket strategy as of 2
€10,000 at 6% for 20 years → about €32,100 before fees/tax. Halve the rate to 3% and the same horizon yields roughly €18,100. Restore the last inputs for Bucket strategy: “Horizon honesty” and 2 in one session. €300 monthly at 5% for 25 years is on the order of €175k contributed-plus-growth (illustrative; timing conventions vary).
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 Bucket strategy: “Horizon honesty” and 2 in one session. 22
Figures to keep
- Year of the rule
- 2
- Figure in the sum
- 2
- Item
- Bucket strategy
- Reason kept
- Horizon honesty