Rule of 72 as of · 67

In a household notebook, Rule of 72 is judged from . The line is “Date every amount” and the figure in the sum is 72. A blinking gain on a screen is not the reason. Treat outputs as scenario sketches. Vary contribution, rate, fees and inflation to see which lever moves your goal date.

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.

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.

For Rule of 72 in , the figure that stays is 72, named “Date every amount.” Sparkle is not a figure.72

Figures to keep

Year of the rule: 72
Figure in the sum: 72
Item: Rule of 72
Reason kept: Date every amount

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