in the above calculator with assume the additional contributions occurs at the start of each year
Investments we usually mean an amount money from your savings that you will use to buy stocks, bonds etch we keep some them for a specific duration of time. The term investment is general means you can that investment can be also equipment for a business, or house real estate. In this calculator we focus mainly on financial assets such bonds, stocks, saving accounts, treasury bills. You can also use this as an savings interest calculator to find how much money you will make bank savings accounts.
All the investment have risk and what type of assets you prefer depends from your risk tolerance. Usually there is a positive correlation between risk and returns the higher risk the higher the returns. To manage financial assets is a complex job so you invest mututal funds or index funds that for some they will take care the management. Keep in in mind if do not it write always there is a chanace to loose the principal.