I am 17 years old, have no time for business but is willing to have one, and also have investments over 2000+ USD in mutual funds. This is the mutual fund: BPI ALFM;www.alfm.com.ph and BPI EQUITY FUNDS.So, how much do you think will be returned to me after 40 years? I will keep on adding more. In fact, this December, I will add again another 2000+USD and will add more next year. Will not touch any of them until after 40 years. I got it all from saving my allowance and living a little below my means(for a while...) and expect that in the future it will be big. What is your estimate on the amount assuming I add around 7000 or more USD annually?Will only stick to what I have. Don't need "hi-tech" gadgets anyway. Only a good mobile phone that served me well for about 2 years and will continue serving me for a long time and a good laptop. Other than that, I will use all my money for investments here in my country and perhaps abroad.I want to know the possible gains if ever...The website for BPI ALFM is www.alfm.com.phI bought my mutual fund shares last August, 2007 for both BPI ALFM and BPI EQUITY FUNDS. And so far, BPI equity funds gained me around 9% after 4 months. Hope it will increase further annually. There is a report there in .pdf format. It would be very helpful if you can explain to me the report too..... Thanks and God Bless. ;-)Do you think it will continue to increase in value after around 40 years? There is also this insurance company with investment. Minimum investment is 4000+USD but in the newspaper, they said that you money can earn around up to 79% ANNUALLY! Maybe I will invest in there next year. Anyway, I already have my Free Life Insurance fomr BPI ALFM worth 4000+USD.....The website of the Life insurance investment company is www.axa.com.phIf I have a job as a surgeon at the age of around 31 years old, I will add around 10k monthly to my investments....... hope that will be enough for me to enjoy myself by the age of 55 or 60...

If you plan on investing 2000 a year for 40 years, use the formula below to figure the valueFV = PMT * [ ( ( 1 + i )N - 1 ) / i ]FV = future value (maturity value)PMT = payment per periodi = interest rate in percent per periodN = number of periods (should be an exponent)I choose a rate return (i) of 8%and calculated $518,113 at the end of the 40th year.At 4% return the value would be $190,051Bear in mind, that if this is a taxable account position, then the taxes will erode some of the earnings.

First, forget about the 79% annually. It is impossible, therefore it is a scam. Your investment plan is good. It is not possible to predict how much you will have after 40 years. However, you can make some assumptions. For example if you keep investing and the fund earns the following rates of return, your fund will grow to the amounts below with $2,000 per year in the first column $2,500 per year and $5,000 per year::.......$2,000/yr.....$2,500/yr....$5,000/yr6% - $310,000 ....$387,000....$774,0007% - $399,000.... $499,000....$998,0008% - $518,000 ....$647,000....$1,295 K9% - $675,000.... $845,000....$1,690 K10%- $885,000....$1,106 K....$2,214 KOver the long term, 10 or more years, the stock market has returned 10 percent per year. You can see what would happen if your mutual funds have average performance (most do over the long term). You might try investing in 2-3 different funds instead of just one.

If I understand correctly, this fund is a dollar bond fund. This type of fund normally accures interest at the rate of about 5% to 6% annually. I do not know what your tax situation is but generally this amount is taxed as it accrues. But if we make a few assumptions we can arrive at a potential 40 year amount. Assume investment of $2000 annually. Assume 5% annual return. Assume no taxes. $241,600. You might be wise to place some of your money into the euro fund instead. The dollar is not doing too well.

if it's not invested in a tax deferred account like an IRA, you have to pay taxes on the gains EACH year and even with mutual funds - there is no guarantee on wht you will have - could be zero, could be 1 million and you can't expect the "high tech gadgets" you have now to last 40 yrs - not going to happen - computer and cell phones will need to be replaced every few yrs due to mechanical failure or technological obsolesense