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Comparison Tool

Monthly Investing vs Lump Sum: Which Grows More

Investing the same $12,000 per year, monthly contributions typically finish slightly ahead of one year-end lump sum because your money is invested and compounding for more of the year. Over 20 years at 7%, monthly investing can out-earn the lump sum by roughly $15,000-25,000 depending on market path assumptions used here.
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