With any type of investment that you choose to work with, you will want to make sure that you can get a good rate of return. The bigger the rate of return, the better off you will be because it means that your money is growing and working hard for you. You do not want to go with a mutual fund that is not getting any returns or one that has really low returns because then you are not really earning much and you may as well leave your money in a savings account instead, it would be less risk.

When investing in mutual funds, you always want to go with one that has a good return on investment. Take a look at the last ten years or more and see what it has been doing. The longer it has been providing a good turn on investment, the better because this makes it more likely that the fund will continue to do that for you when you choose to invest. We can look at some examples below to see what the return on investment can mean for you:

# If you invested $800 a month from the ages of 35 to 65 and the return on investment was 10%, you would end up with $1.8 million.

# If you invested the same amount for the same number of years, but the return on investment was 11%, then you would have $.2.2 million.

# If you did the same amount of investment a month for the same amount of time, but the return is 12%, then you would end up with 2.8 million when you were done.

You are investing the same amount of money each month and you are doing it for 30 years, but the rate of return is what is making the difference. You want to make sure that you are able to invest as much as possible, and get the best return on investment possible because that is going to help you have a great nest egg to enjoy when you do get to your retirement years in your 60s.

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