Investment – Kalkulačka

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The Power of Compound Interest

Compound interest is earning returns not just on your original investment but also on all previously accumulated gains. Albert Einstein allegedly called it the eighth wonder of the world — and the math backs that up.

230,000 Kč invested at 8% annual return: after 10 years = 496,547 Kč; after 20 years = 1,072,030 Kč; after 30 years = 2,314,421 Kč. The same money tripled in the second decade and then doubled again in the third — that acceleration is compounding at work.

Regular Contributions: The Real Multiplier

Adding regular contributions amplifies compounding dramatically. If you invest 230,000 Kč upfront and add 11,500 Kč/month at 8% annual return over 30 years, you contribute a total of 4,370,000 Kč but end up with 17,135,000 Kč — 12,765,000 Kč is pure investment returns.

Starting early matters more than investing large amounts later. Someone who invests 4,600 Kč/month from age 25 to 35 (10 years, 552,000 Kč total) and then stops, will likely outperform someone who invests 4,600 Kč/month from age 35 to 65 (30 years, 1,656,000 Kč total), thanks to the extra decade of compounding.

Expected Returns by Asset Class

Historical average annual returns (inflation-adjusted): US stocks (S&P 500): ~7%; Global stocks: ~5–6%; Bonds: ~2–3%; Real estate: ~4–5%; Cash/savings: ~0–1%.

These are long-term averages — any single year can vary wildly. Diversification across asset classes smooths volatility over time. For long investment horizons (15+ years), stocks have historically been the best-performing asset class.

Frequently Asked Questions

What is a realistic expected return?

For a diversified stock portfolio, 6–8% annual return (inflation-adjusted) is a commonly used long-term assumption based on historical data. Individual years can be +30% or -40%. The longer your horizon, the more reliable this average becomes.

How often does compounding happen?

Most investment accounts compound annually, but some compound quarterly or monthly. More frequent compounding means slightly higher returns. For long-term projections the difference is small, but it adds up over decades.

Is it better to invest a lump sum or contribute regularly?

Studies show lump-sum investing (putting all money in immediately) outperforms dollar-cost averaging about 2/3 of the time, simply because markets trend upward over time. However, regular contributions work best for most people who are building wealth gradually from income.

💡 Věděli jste?

The S&P 500 has returned an average of approximately 10% per year (before inflation) since its inception in 1957.
Warren Buffett made 99% of his net worth after his 65th birthday — a testament to the power of long-term compound growth.
The world's first stock exchange was established in Amsterdam in 1602 to trade shares of the Dutch East India Company.

Naposledy aktualizováno: March 2026