File:Saving-early-graph1.jpg

$6000 invested at the beginning of each year, with 4% nominal interest (blue curve), or 5% interest (red curve), starting at age 20, 25, and so on, to age 55. Vertical axis shows account balance at age 65. This is the same example as that presented by C.C. Gross, Need proof?, Vanguard blog, December 12, 2011, viewed February 7, 2015.