Time is such a valuable commodity - it's a shame when investors squander it. Yet many waste a resource that can't be recovered.Time is an investor's most valuable ally. Returns increase exponentially over time, which is as close to magic as most of us will ever see. Putting time on your clients' side is a key element to financial success.

To see just how valuable this element is, let's consider the case of a 20-year-old wishing to retire at age 60 with $1,000,000. Assuming an 8 percent return, this future millionaire needs only to deposit $3,574 per year ($68 a week) to reach that goal. Over their 40-year career, they will only deposit $142,969 - the balance of the million will come from earnings on the account (see table).

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