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.
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 | Opportunity cost | AI advice caveats | 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.
Tick a point once you could explain it in your own words. Ticks stay on this device.
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All points done. Next: Open the topic: Opportunity cost
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).
A 1% annual fee on a 7% gross path leaves ~6% net — over 30 years the terminal gap versus a 0.1% fee is large, not “one percent”. 8% nominal with 3% inflation is roughly 5% real — the statement can look rich while purchasing power compounds slower.
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: AI advice caveats · Open the topic: Opportunity cost
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