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Small investments could help your money grow

Chart is a hypothetical comparison. Investing involves risk of loss and performance is not guaranteed.

How this chart works

The hypothetical chart above illustrates the potential growth of an investment account assuming a 7% annual nominal investment growth rate vs. a 0.41% National savings account deposit rate as of February 18, 2025.* This chart assumes estimated/average return rates stay constant over the course of the time horizon and that no withdrawals were taken. Taxes, fees, and inflation are not included. Unlike traditional FDIC savings accounts, investment accounts are subject to market risk and do not carry FDIC insurance to protect from loss. Each type of account has its own unique set of potential benefits and limitations that you should consider before deciding what type is right for you.

Interact with the slider to increase or decrease the monthly contribution to discover how the money could grow in an investment account vs. an FDIC savings account. The monthly contribution is how much you want to invest every month. In this chart it is set at $250, but you can move the slider from $1 to $1,000 to see how your contributions could grow over time. For example, a $250 monthly contribution in an investment account could grow to $304,993 in 30 years compared to $95,752 in a traditional savings account, using end of month compounding.

This example is for illustrative purposes only and does not represent the performance of any security. The assumed rate of return is not guaranteed. Investments that have potential for a 7% rate of return also come with risk of loss. Past performance does not guarantee future results.

* FDIC: National Rates and Rate Caps