This atlas page keeps the focus on mechanisms you can reason about: rates, time, contributions, costs and behaviour — not stock tips or promised yields. AI advice caveats: keep the definition tight, the units dated, and the costs visible — then the “magic” looks like arithmetic with a long clock.
Levers differ in how much control you have. Markets set many rates; households set savings rates, fee tolerance and whether they stay invested. The useful math is small: compound growth, present value, and adjustments for fees or inflation. Complexity usually arrives from products, not from the core identities.
Mark each measure High, Any or Low for what you want. The fit number moves with every mark, and your marks follow you to the next page in this app.
| Measure | AI advice caveats | Auto-invest apps | You want |
|---|---|---|---|
| Time sensitivity | |||
| Rate sensitivity | |||
| Contribution leverage | |||
| Behaviour risk | |||
| Tax & fee drag | |||
| Horizon fit |
Mark at least one measure to see a fit number.
Scores are the atlas’s 0–100 teaching marks. They are not a live exchange rate or investment advice.
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All points done. Next: Open the topic: AI advice caveats
This atlas page keeps the focus on mechanisms you can reason about: rates, time, contributions, costs and behaviour — not stock tips or promised yields. AI advice caveats: keep the definition tight, the units dated, and the costs visible — then the “magic” looks like arithmetic with a long clock.
Levers differ in how much control you have. Markets set many rates; households set savings rates, fee tolerance and whether they stay invested. The useful math is small: compound growth, present value, and adjustments for fees or inflation. Complexity usually arrives from products, not from the core identities.
With regular end-of-period contribution C: FV ≈ C × [((1+r)^n − 1) / r] when r ≠ 0. r_real ≈ r_nominal − i, with i the inflation rate; prefer the Fisher form for precision.
€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. €300 monthly at 5% for 25 years is on the order of €175k contributed-plus-growth (illustrative; timing conventions vary).
These figures describe codes, history, or a teaching calculator. They are not a live exchange rate or investment advice. They do not replace the full topic page.
Next question: Auto-invest apps · Open the topic: AI advice caveats
🔎 AI advice caveats: read “Risk” before you decide · 🛑 AI advice caveats: what “Gap” does not decide · 🛠 Auto-invest apps: use “Trend” in the tool · 📍 Auto-invest apps: the local fact in “Trap” · 🔎 Bonds as ballast: read “Lens” before you decide · 🛑 Bonds as ballast: what “Tone” does not decide · Decision checks