Small Changes, Big Difference
There are primarily two factors which determine how much wealth you will have by the time you reach your golden years: your savings rate and your return. All accumulators should be aware of their savings rate and the implications of small changes. Here is a link to a calculator which shows just that:
http://www.nytimes.com/interactive/2010/03/24/your-money/one-pct-more-calculator.html?ref=your-money
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