I do believe by “interest to the coupons”, he mode any financing return, never the pace https://datingranking.net/tr/loveagain-inceleme/ into a family savings when you look at the a beneficial lender. For folks who connect during the cuatro%, you’ll receive number close to what you has regarding the dining table above:
ln(.50) / 0.04 = age so you’re able to retire on fifty% discounts rate ln(.80) / 0.04 = 5.5786 age to help you retire in the 80% discounts price
Of course, if you do plug in a <1% return instead of 0.04 because your stash is entirely in a savings account, you’ll see the numbers look much worse!
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