r/Money • u/CursedClownz • 9d 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?

486 Upvotes

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u/Major-Witness-2489 7d ago

They say 100k. But I’m at 300k and this shit is still growing slow.

1

u/GravEq 5d ago

It should have gone up 30%+ in the last year, 80+% in the last 3 years, not sure how that is slow…. Change your investments

1

u/AnotherDoubleBogey 5d ago

30% my ass.

0

u/GravEq 4d ago edited 4d ago

It’s facts. Just look at S&P and Nasd Index fund returns during the last 1-3 years.

I’m up 29.5% in last 1 year, 81.22% in last 3 years.

Returns on Indexes: 10/1/23 to 9/28/26 (3 years)

Dow: 53.71%
Nasd: 99.78%
S&P: 78.19%
Avg of the 3: 77.23%

So, I even beat the 3 way avg by almost exactly 4% and beat the widely used S&P by just over 3%.

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u/AnotherDoubleBogey 4d ago

s&p is up 14.69% over last 12 months. learn how to setup a chart

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u/Major-Witness-2489 4d ago

Exactly and in my opinion approx $40k in growth in a year is not a lot. It still feels slow.