# How long will your ‘Interest Bucket’ take to generate $2.4K?

However, if you leave your investment alone (after 8 years of hard work) for another 30 years, your investment portfolio will have grown to ~ S$72,000. This amount will probably catch more attention.

*Crucial Element to Growing Your Investment is Time*

The maths is simple. You invest S$200 monthly (works out to be S$2,400 invested annually). With an investment product that yields 4% (plus compound interest), here are the results:

The more time your money has to accumulate compound interest, the larger your investment portfolio will be. Simple Logic! This investment portfolio could be a source to pull out when you retire.

Getting started early makes the difference in your retirement fund. If you choose to stop investing after the 8th year and leave your money to accumulate the interest, it will have grown to ~S$72,000.

*What should you be doing?*

*Least Work and Risk-Free Returns*

*Conclusion*

this sum of $2400 should be close to your heart. care to explain why?

Hi Kyith, because that's the same amount I had transferrd and will be transferring yearly from my cpf OA to cpf SA.

oh i see

Kyith, but at the same time, $200 is a good starting savings/ investing for fresh grads. This number is close to my heart because I remember earning 2k plus a month when I started working. 10% of savings .

certainly a good place to start, but if your student loan isnt too big you could go higher.

yes of course. i believe graduates are earning better now but at the same time also spending more money.