VI|EN

TOOLS - LONG-TERM ACCUMULATION

Compound Interest - the power of discipline over time

This tool helps you see the "shape of time" when you contribute regularly each month. Not to predict the future, but to understand why consistency (and time) usually matters more than trying to time the market.

Note: This is a simulation assuming stable annual returns. Reality will fluctuate — but that volatility only emphasizes the importance of discipline and long-term perspective.

Long-term accumulation simulation

The power of time and discipline

Not to "predict" - but to clearly see the difference between a short-term decision and a long-term habit.

240 months
Contribution timing
Total contributed
2,4 tỷ
2.400.000.000 ₫
Value after 20 year
7,6 tỷ
7.593.688.360 ₫
Growth
5,2 tỷ
5.193.688.360 ₫
View by

Biểu đồ tăng trưởng theo năm

Vốn góp
Lãi tích lũy

Growth chart by year

Scroll horizontally on mobile
YearTotal capitalYear-end valueYear growthCumulative growth
1120.000.000 ₫125.655.681 ₫5.655.681 ₫5.655.681 ₫
2240.000.000 ₫264.469.154 ₫18.813.473 ₫24.469.154 ₫
3360.000.000 ₫417.818.211 ₫33.349.057 ₫57.818.211 ₫
4480.000.000 ₫587.224.918 ₫49.406.707 ₫107.224.918 ₫
5600.000.000 ₫774.370.722 ₫67.145.803 ₫174.370.722 ₫
6720.000.000 ₫981.113.136 ₫86.742.415 ₫261.113.136 ₫
7840.000.000 ₫1.209.504.183 ₫108.391.047 ₫369.504.183 ₫
8960.000.000 ₫1.461.810.757 ₫132.306.574 ₫501.810.757 ₫
91.080.000.000 ₫1.740.537.127 ₫158.726.369 ₫660.537.127 ₫
101.200.000.000 ₫2.048.449.789 ₫187.912.662 ₫848.449.789 ₫
111.320.000.000 ₫2.388.604.931 ₫220.155.142 ₫1.068.604.931 ₫
121.440.000.000 ₫2.764.378.761 ₫255.773.830 ₫1.324.378.761 ₫
131.560.000.000 ₫3.179.501.022 ₫295.122.261 ₫1.619.501.022 ₫
141.680.000.000 ₫3.638.092.007 ₫338.590.986 ₫1.958.092.007 ₫
151.800.000.000 ₫4.144.703.462 ₫386.611.455 ₫2.344.703.462 ₫
161.920.000.000 ₫4.704.363.756 ₫439.660.294 ₫2.784.363.756 ₫
172.040.000.000 ₫5.322.627.796 ₫498.264.040 ₫3.282.627.796 ₫
182.160.000.000 ₫6.005.632.161 ₫563.004.364 ₫3.845.632.161 ₫
192.280.000.000 ₫6.760.156.007 ₫634.523.846 ₫4.480.156.007 ₫
202.400.000.000 ₫7.593.688.360 ₫713.532.353 ₫5.193.688.360 ₫
The early years often feel "slow" because you're building the foundation. But when time is long enough, the growth begins to compound on itself. In the long picture, consistency and time usually matter more than trying to time the market.

How to read the results

1) Early years

Growth often feels "slow" and can be discouraging. This is when discipline matters more than emotions.

2) Inflection point

There comes a point when growth starts to compound visibly. Not because you got "better", but because time starts doing the work.

3) Focus on cash flow

What you control best is consistent contributions and time. Return rates are just assumptions to help you visualize.

If you'd like another perspective (contribution amounts, target timelines, or portfolio allocation), we can talk.