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来源: 于 2026-03-23 10:57:43 [博客] [旧帖] [给我悄悄话] 本文已被阅读：次

To estimate this, we need to assume an average annual return (since Roth IRA growth depends on investments). A common long-term estimate is about 7% per year.

Step 1: Contributions phase (24 years)

You invest:

  • $5,000 per year
  • For 24 years

Future value after 24 years at 7%:

  • ≈ $290,000

Step 2: Growth phase (no new contributions, 40 more years)

Let that $290K keep growing for 40 years at 7%:

  • Growth factor ≈ 1.07?? ≈ 15
  • Final value ≈ $4.3 million

Final Estimate

  • ≈ $4.3 million after 64 total years (24 years investing + 40 years growth)

How sensitive this is to returns

If returns differ, the outcome changes a lot:

  • 5% return: ≈ $1.7 million
  • 7% return: ≈ $4.3 million
  • 9% return: ≈ $10+ million