**Legacy for a New Born Child: PDF 1**

This pdf includes tables 1 through 6 that reflect the total returns, distributions and final balances for 6 different approaches to build a multi-million dollar retirement with a small initial investment. It also includes tables 7 through 12 that inflation-adjust the lifetime returns, distributions and final balances in tables 1 though 6.

This pdf shows the lifetime result of 6 different approaches to building a $50 million return from a small investment. The first 6 tables (1-6) show the results in nominal returns (without inflation) and the 2nd set of 6 (7-12) tables show the result of the “real” returns (after an assumed 3% inflation rate). In each case, the tables show the balance at age 65, the total distributions in retirement, and the balance at age 95. In tables 1 through 5 the annual distribution is made the 1st of each year. Each table includes returns for 4 through 12 percent compound rates of return.

**Table 1**assumes a one time $3000 investment.

**Table 2**assumes a $365 a year investment for 21 years.

**Table 3**assumes a $365 a year investment for 64 years. This is a combination of help from a parent or grandparent and then annually continued by the child or grandchild.

**Table 4**assumes nothing is invested before age 21, but from 21 though 64 $3600 a year is invested. This is obviously not a newborn strategy but shows what a young investor could do to make the $50 million goal.

**Table 5**assumes nothing is invested before age 25, but from 25 through 64, $5500 a year is invested. This the same case as Table 4, just starting late. Because of the later start date it requires a larger annual investment.

**Table 6**assumes a one time $3,000 investment as in Table 1. The only difference in this table is that the distributions are made monthly, instead of annually at the first of each year.

**Tables 7 thought 12**are the same as 1 though 6 but adjusted for a 3% inflation rate.