THE ROTH IRA
HOW TO BUILD RETIREMENT WEALTH

INVESTING $3000 ON JANUARY 2nd OF EACH YEAR (You can actually save $4000 or $5000, if over 50 years of age, each year. Think how much that could grow to!)

YEARS OF	YEARLY	TOTAL	HYPOTHETICAL PROJECTION OF YEAR END VALUE vs YEARLY AVERAGE (%) RETURN ON INVESTMENT
GROWTH	CONTRIBUTION	INVESTMENT	6%	7%	8%	9%	10%	11%	12%	13%	14%	15%
RISK FACTORS			LOW				MEDIUM					HIGH

1	$ 3,000.00	$ 3,000.00	$ 3,180.00	$ 3,210.00	$ 3,240.00	$ 3,270.00	$ 3,300.00	$ 3,330.00	$ 3,360.00	$ 3,390.00	$ 3,420.00	$ 3,450.00
2	$ 3,000.00	$ 6,000.00	$ 6,550.80	$ 6,644.70	$ 6,739.20	$ 6,834.30	$ 6,930.00	$ 7,026.30	$ 7,123.20	$ 7,220.70	$ 7,318.80	$ 7,417.50
3	$ 3,000.00	$ 9,000.00	$ 10,123.85	$ 10,319.83	$ 10,518.34	$ 10,719.39	$ 10,923.00	$ 10,019.19	$ 10,217.98	$ 10,419.39	$ 10,623.43	$ 10,830.13
4	$ 3,000.00	$ 12,000.00	$ 13,911.28	$ 13,182.22	$ 13,519.80	$ 13,864.13	$ 14,215.30	$ 13,341.30	$ 13,684.14	$ 14,033.91	$ 14,390.71	$ 14,754.64
5	$ 3,000.00	$ 15,000.00	$ 17,925.96	$ 16,244.97	$ 16,761.39	$ 17,291.90	$ 17,836.83	$ 17,028.85	$ 17,566.24	$ 18,118.32	$ 18,685.41	$ 19,267.84
6	$ 3,000.00	$ 18,000.00	$ 22,181.51	$ 19,522.12	$ 20,262.30	$ 21,028.18	$ 21,820.51	$ 21,122.02	$ 21,914.19	$ 22,733.70	$ 23,581.37	$ 24,458.02
7	$ 3,000.00	$ 21,000.00	$ 26,692.40	$ 23,028.67	$ 24,043.28	$ 25,100.71	$ 26,202.56	$ 25,665.44	$ 26,783.89	$ 27,949.08	$ 29,162.76	$ 30,426.72
8	$ 3,000.00	$ 24,000.00	$ 31,473.95	$ 26,780.68	$ 28,126.74	$ 29,539.77	$ 31,022.82	$ 30,708.64	$ 32,237.96	$ 33,842.46	$ 35,525.55	$ 37,290.73
9	$ 3,000.00	$ 27,000.00	$ 36,542.38	$ 30,795.32	$ 32,536.88	$ 34,378.35	$ 36,325.10	$ 36,306.59	$ 38,346.51	$ 40,501.98	$ 42,779.13	$ 45,184.34
10	$ 3,000.00	$ 30,000.00	$ 41,914.93	$ 35,091.00	$ 37,299.83	$ 39,652.41	$ 42,157.61	$ 42,520.32	$ 45,188.09	$ 48,027.24	$ 51,048.20	$ 54,261.99
11	$ 3,000.00	$ 33,000.00	$ 47,609.82	$ 39,687.37	$ 42,443.82	$ 45,401.12	$ 48,573.37	$ 49,417.55	$ 52,850.66	$ 56,530.78	$ 60,474.95	$ 64,701.28
12	$ 3,000.00	$ 36,000.00	$ 53,646.41	$ 44,605.48	$ 47,999.33	$ 51,667.22	$ 55,630.71	$ 57,073.48	$ 61,432.74	$ 66,139.79	$ 71,221.44	$ 76,706.48
13	$ 3,000.00	$ 39,000.00	$ 60,045.20	$ 49,867.86	$ 53,999.27	$ 58,497.27	$ 63,393.78	$ 65,571.57	$ 71,044.67	$ 76,997.96	$ 83,472.45	$ 90,512.45
14	$ 3,000.00	$ 42,000.00	$ 66,827.91	$ 55,498.61	$ 60,479.22	$ 65,942.03	$ 71,933.16	$ 75,004.44	$ 81,810.03	$ 89,267.69	$ 97,438.59	$ 106,389.32
15	$ 3,000.00	$ 45,000.00	$ 74,017.58	$ 61,523.52	$ 67,477.55	$ 74,056.81	$ 81,326.48	$ 85,474.93	$ 93,867.24	$ 103,132.49	$ 113,359.99	$ 124,647.71
16	$ 3,000.00	$ 48,000.00	$ 81,638.64	$ 67,970.16	$ 75,035.76	$ 82,901.92	$ 91,659.13	$ 97,097.17	$ 107,371.31	$ 118,799.72	$ 131,510.39	$ 145,644.87
17	$ 3,000.00	$ 51,000.00	$ 89,716.96	$ 74,868.08	$ 83,198.62	$ 92,543.10	$ 103,025.04	$ 109,997.86	$ 122,495.86	$ 136,503.68	$ 152,201.84	$ 169,791.60
18	$ 3,000.00	$ 54,000.00	$ 98,279.98	$ 82,248.84	$ 92,014.51	$ 103,051.98	$ 115,527.54	$ 124,317.62	$ 139,435.37	$ 156,509.16	$ 175,790.10	$ 197,560.34
19	$ 3,000.00	$ 57,000.00	$107,356.77	$ 90,146.26	$ 101,535.67	$ 114,506.65	$ 129,280.30	$ 140,212.56	$ 158,407.61	$ 179,115.35	$ 202,680.72	$ 229,494.39
20	$ 3,000.00	$ 60,000.00	$116,978.18	$ 98,596.50	$ 111,818.52	$ 126,992.25	$ 144,408.33	$ 157,855.94	$ 179,656.53	$ 204,660.34	$ 233,336.02	$ 266,218.55
21	$ 3,000.00	$ 63,000.00	$127,176.87	$ 107,638.25	$ 122,924.00	$ 140,601.56	$ 161,049.16	$ 177,440.10	$ 203,455.31	$ 233,526.19	$ 268,283.06	$ 308,451.33
22	$ 3,000.00	$ 66,000.00	$137,987.48	$ 117,312.93	$ 134,917.92	$ 155,435.70	$ 179,354.07	$ 199,178.51	$ 230,109.95	$ 266,144.59	$ 308,122.69	$ 357,019.03
23	$ 3,000.00	$ 69,000.00	$149,446.73	$ 127,664.84	$ 147,871.36	$ 171,604.91	$ 199,489.48	$ 223,308.14	$ 259,963.14	$ 303,003.39	$ 353,539.87	$ 412,871.89
24	$ 3,000.00	$ 72,000.00	$161,593.54	$ 138,741.37	$ 161,861.06	$ 189,229.35	$ 221,638.43	$ 250,092.04	$ 293,398.72	$ 344,653.83	$ 405,315.45	$ 477,102.67
25	$ 3,000.00	$ 75,000.00	$174,469.15	$ 150,593.27	$ 176,969.95	$ 208,439.99	$ 246,002.27	$ 279,822.16	$ 330,846.56	$ 391,718.83	$ 464,339.61	$ 550,968.07
26	$ 3,000.00	$ 78,000.00	$188,117.30	$ 163,274.80	$ 193,287.55	$ 229,379.59	$ 272,802.50	$ 312,822.60	$ 372,788.15	$ 444,902.28	$ 531,627.15	$ 635,913.28
27	$ 3,000.00	$ 81,000.00	$202,584.33	$ 177,914.04	$ 210,910.55	$ 252,203.75	$ 302,282.75	$ 349,453.09	$ 419,762.73	$ 504,999.57	$ 608,334.96	$ 733,600.27
28	$ 3,000.00	$ 84,000.00	$216,859.39	$ 192,508.02	$ 229,943.39	$ 277,082.09	$ 334,711.02	$ 390,112.93	$ 472,374.26	$ 572,909.52	$ 695,781.85	$ 845,940.31
29	$ 3,000.00	$ 87,000.00	$233,050.96	$ 208,123.58	$ 250,498.86	$ 304,199.48	$ 370,382.13	$ 435,245.35	$ 531,299.17	$ 649,647.75	$ 795,471.31	$ 975,131.36
30	$ 3,000.00	$ 90,000.00	$250,214.02	$ 224,832.23	$ 272,698.77	$ 333,757.43	$ 409,620.34	$ 485,342.34	$ 597,295.07	$ 736,361.96	$ 909,117.29	$ 1,123,701.06
31	$ 3,000.00	$ 93,000.00	$268,406.86	$ 242,710.49	$ 296,674.68	$ 365,975.60	$ 452,782.37	$ 540,949.99	$ 671,210.47	$ 834,349.02	$ 1,038,673.71	$ 1,294,556.22
32	$ 3,000.00	$ 96,000.00	$286,631.27	$ 261,840.22	$ 322,568.65	$ 401,093.41	$ 500,260.61	$ 602,674.49	$ 753,995.73	$ 945,074.39	$ 1,186,368.03	$ 1,491,039.66
33	$ 3,000.00	$ 99,000.00	$305,949.14	$ 282,309.03	$ 350,534.14	$ 439,371.81	$ 552,486.67	$ 671,188.69	$ 846,715.22	$ 1,070,194.06	$ 1,354,739.56	$ 1,716,995.60
34	$ 3,000.00	$ 102,000.00	$326,426.09	$ 304,210.67	$ 380,736.87	$ 481,095.28	$ 609,935.34	$ 747,239.44	$ 950,561.04	$ 1,211,579.29	$ 1,546,683.09	$ 1,976,844.94
35	$ 3,000.00	$ 105,000.00	$348,131.66	$ 327,645.41	$ 413,355.82	$ 526,573.85	$ 673,128.87	$ 831,655.78	$ 1,066,868.37	$ 1,371,344.60	$ 1,765,498.73	$ 2,275,671.69
36	$ 3,000.00	$ 108,000.00	$371,139.56	$ 352,720.59	$ 448,584.29	$ 576,145.50	$ 742,641.76	$ 925,357.92	$ 1,197,132.57	$ 1,551,879.39	$ 2,014,948.55	$ 2,619,322.44
37	$ 3,000.00	$ 111,000.00	$395,527.93	$ 379,551.03	$ 486,631.03	$ 630,178.59	$ 819,105.93	$ 1,029,367.29	$ 1,343,028.48	$ 1,755,883.72	$ 2,299,321.35	$ 3,014,520.80
38	$ 3,000.00	$ 114,000.00	$421,379.61	$ 408,259.61	$ 527,721.52	$ 689,074.67	$ 903,216.53	$ 1,144,817.69	$ 1,506,431.90	$ 1,986,408.60	$ 2,623,506.33	$ 3,468,998.92
39	$ 3,000.00	$ 117,000.00	$448,782.38	$ 438,977.78	$ 572,099.24	$ 753,271.39	$ 995,738.18	$ 1,272,967.63	$ 1,689,443.73	$ 2,246,901.72	$ 2,993,077.22	$ 3,991,648.76
40	$ 3,000.00	$ 120,000.00	$477,829.33	$ 471,846.22	$ 620,027.18	$ 823,245.81	$ 1,097,512.00	$ 1,415,214.07	$ 1,894,416.98	$ 2,541,258.94	$ 3,414,388.03	$ 4,592,696.08
41	$ 3,000.00	$ 123,000.00	$508,619.09	$ 507,015.46	$ 671,789.35	$ 899,517.94	$ 1,209,463.20	$ 1,573,107.62	$ 2,123,987.01	$ 2,873,882.60	$ 3,894,682.36	$ 5,283,900.49
42	$ 3,000.00	$ 126,000.00	$541,256.23	$ 544,646.54	$ 727,692.50	$ 982,654.55	$ 1,332,609.52	$ 1,748,369.46	$ 2,381,105.45	$ 3,249,747.34	$ 4,442,217.89	$ 6,078,785.56
43	$ 3,000.00	$ 129,000.00	$575,851.61	$ 584,911.80	$ 788,067.90	$ 1,073,273.46	$ 1,468,070.47	$ 1,942,910.10	$ 2,669,078.11	$ 3,674,474.49	$ 5,066,408.39	$ 6,992,903.40
44	$ 3,000.00	$ 132,000.00	$612,522.70	$ 627,995.63	$ 853,273.33	$ 1,172,048.07	$ 1,617,077.52	$ 2,158,850.21	$ 2,991,607.48	$ 4,154,416.18	$ 5,777,985.57	$ 8,044,138.91
45	$ 3,000.00	$ 135,000.00	$651,394.06	$ 674,095.32	$ 923,695.20	$ 1,279,712.40	$ 1,780,985.27	$ 2,398,543.74	$ 3,352,840.38	$ 4,696,750.28	$ 6,589,183.55	$ 9,253,059.74

HOW MUCH TAX FREE MONEY WOULD YOU LIKE TO RETIRE WITH? IT IS NEVER TOO LATE TO START!

VANSON FINANCIAL
Your Life Planners
37 Valley Forge Drive, Bohemia, NY 11716
Tel 631-218-2350 Fax 631-218-8093
Visit us at http://www.vansonfinancial.com

THIS CHART IS FOR COMPARATIVE REFERENCE ONLY AND IS NOT A GUARANTEE OF FUTURE RESULTS. HIGHER AVERAGE RETURNS CARRY HIGHER VOLITILITY & RISK. (c) 1999-2000