Using the Portfolio Visualizer website I test simulations which demonstrate the importance of investing now while you are young, and contributing a small amount every year providing a nice nest egg for retirement. I am using a Monte Carlo simulation to project the future value of a designated portfolio. If you can front load your investment you can really boost your performance. All simulations are for a 30 year horizon using the “Moderate” portfolio model “OMFL23, SCHD22, SCHG33, SPGP22” which has a higher percentage of SCHG. I would recommend the Moderate, Aggressive, or Aggressive+ portfolios for younger investors. Three simulations are presented below with different investment parameters.The 50th percentile line is the average result, with 50% of simulations occurring with-in this performance, and 50% outside of this performance. Many people can invest more per year and amplify these returns..