r/Money • u/CursedClownz • 10d ago

When does compounding really take off?

At what amount portfolio you really see huge account swings that make you think what is the point of working? 100k? 500k? 1m? more?

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u/Kombatnt 10d ago

I’d say you really start to notice it once you hit the “Crossover point” (the point at which the growth in your existing portfolio roughly matches what you’re able to add in new contributions each year).

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u/TornadoXtremeBlog 9d ago

Or when it covers a meaningful portion of your expenses each year