🎛️
Contributions vs rate vs time
Early on, deposits dominate; later, rate and time do — how the three levers trade places across a life.
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📉Fee drag
A one-percent fee is not one percent of outcomes — compounding makes costs exponential too.
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🧾Tax drag
Taxes change which return compounds — wrappers, location and realisation timing as first-class levers.
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♻️Reinvestment
Cash paid out only compounds if you put it back — dividends, coupons and the discipline of not spending yield.
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📅Dollar-cost averaging
Fixed buys on a schedule — what DCA really changes (behaviour and timing risk) and what it does not guarantee.
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