Example 1 2 3 4 5 Start Date 1/1/2011 1/1/2011 1/1/2011 1/1/2011 1/1/2011 1/1/2011 End Date 12/31/2030 12/31/2050 12/31/2050 12/31/2030 12/31/2030 12/31/2040 Initial Deposit $10,000 $10,000 $25,000 $0 $0 $0 Rate of Return 10% 10% 10% 10% 12% 12% Periodic Deposit 500 500 100 3,000 800 400 Results: FV of Initial Deposit $73,281 FV of periodic deposits $379,684 Total $452,965