“Saving $400/month over 40 years, but not investing and assuming no interest accrual, would accumulate $192,000; however investing the same $400/month, could add up to over $1million over the same period of time. This projection shows a hypothetical example of compounding over time, based on an investment of $400 per month for 40 years with an assumed growth rate of 7%, compounded each month and assuming the funds stay invested throughout the investment period. Returns are hypothetical annualized returns, assuming a properly diversified investment portfolio. Performance is provided for illustrative purposes, and it is not indicative of past performance or any Beanstox portfolio or any client’s experience using the Beanstox App. As such, the chart does not reflect fees or the cost associated with investing. Content is meant for education purposes on the power of compound interest over time, and it is not intended to be taken as advice or a recommendation for any specific investment product or strategy.”