
Some Guy Kev
113 posts

Some Guy Kev
@someguykev
Tech, longevity, investing. Low noise, long game.







I ran the numbers on what happens if you invest $500/month into $VOO starting at age 25 until the average U.S. retirement age of 62. The assumptions: • Average retirement age: 62 (per 2024 MassMutual survey) • $VOO annualized total return since inception (Sep 2010): 14.22% with dividends reinvested • $500/month, every month, for 37 years • Dividends reinvested, no withdrawals The results: • Total contributed: $222,000 • Portfolio value at 62: ~$6.17M • 96.4% of that is compound growth. Only 3.6% is money you put in Milestones along the way: • $100K by age 34 • $500K by age 44 • $1M by age 49 • $5M by age 61 Even at a more conservative 10% return (closer to the long-term S&P 500 avg), you’d still end up with ~$2.1M. The caveat: VOO’s 14.22% CAGR reflects 2010–2026, one of the strongest bull runs in history. Past performance ≠ future results. Taxes and inflation not included in my analysis. The takeaway: - $500/month. - Start at 25. - Let compounding do the rest. Not financial advice. Just an analysis I did with the actual $VOO returns since the funds inception.























