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4investPRIVATE INVESTMENT CLUB
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SCENARIO CALCULATOR

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Compare reinvesting with withdrawing positive monthly gains. Change the rate, contributions and fees, including a negative-return scenario. This illustration never changes your account.

Your assumptions

Scenario inputs

These are editable assumptions, not the club’s fee schedule or promised returns. Negative returns reduce the simulated balance.

Enable JavaScript to calculate. The calculation method is explained below.

Inputs stay on this page. They are not saved or sent to your account.

Your illustration

Review the assumptions, then compare both scenarios.

An assumption, not a forecast. Capital and returns are not guaranteed. A constant monthly rate cannot represent changing markets, liquidity, taxes or actual investment performance.

THE METHOD

What the model includes.

Amounts are rounded to cents each month. Monthly contributions arrive at the end of the month and start earning the following month.

Return
Opening balance × monthly return. The allowed illustrative rate is −100% to +100%; the range is not a statement about likely returns.
Fee
Opening balance × annual fee ÷ 12, capped at the balance left after that month’s return. This is a simplified fee model.
Withdrawal comparison
Positive return after fees is paid out in the withdrawal scenario. Losses remain in the balance. Total outcome = closing balance + payouts; net gain = total outcome − contributions.
Limits
No tax, inflation, changing rates, partial periods or unplanned withdrawals. Up to 120 months. This tool is independent of the ledger and membership terms.