Annie's Future Fund
The Long Game
Happy 30th Birthday Annie!!!
Four people who love you want to secure your future.
Your head start
$0Your First Investment
The $400 head start
Mom
$100
The first $100
Dad
$100
The first $100
Mokin
$100
The first $100
Grandpa Jack
$100
The first $100
Starting balance
$400
Four people who love you want to secure your future.
Choose Your Path
Pick a path and watch it grow
Each path adds a little more every month. Tap one to see how the story changes.
Mom + Dad — projected at age 65
$0Age Milestones
The story, told in birthdays
- Today$400
The journey begins.
- Age 35$16,146
Five years of consistency.
- Age 40$42,052
Your money starts working harder.
- Age 50$154,805
Compounding starts doing the heavy lifting.
- Age 60$460,033
Small decisions have become something real.
- Age 65$772,383
Financial Freedom.
Interactive Growth Chart
Watch it grow, age 30 to 65
Compare all three paths, or focus on just one.
Contributions vs Growth
Where the money comes from
At first it's mostly what your family puts in. Over time, growth becomes the biggest part of all.
By age 65, about 89% of the fund is investment growth, not contributions.
That is compounding doing the heavy lifting.
What If I Add More?
Your move Annie.
Slide to add your own or others monthly contributions and watch the number respond.
Projected value at age 65
$0Mom + Dad ($200/mo) + you ($100/mo) at 10% average return
Expected annual return
10% reflects the long-run historical average of the U.S. stock market. Lower numbers show a more cautious view. Actual returns will vary.
Of that total, $42,000 comes from your own contributions, about 4% of the final balance.
Celebration Gifts
Mokin & Grandpa Jack are part of the beginning
Mokin and Grandpa Jack are investing in you right alongside Mom and Dad.
Mokin & Grandpa Jack will give in moments, and not on a set schedule. These investments can be added to your trajectory any time and at any amount, and every one of them gets decades to grow.
Mokin & Grandpa Jack's gifts
One-time & occasional
- $100
Mokin
Age 30 · The first gift, on your 30th birthday
- $100
Grandpa Jack
Age 30 · The first gift, on your 30th birthday
Future gifts can be added any time. Each one gets decades to grow.
Account Type Helper
Where should the money live?
A friendly guide, not tax advice.
Annie's situation
- Annie is a U.S. citizen.
- Annie lives and works in France.
- Annie files U.S. tax returns.
- Annie pays taxes in France and the U.S.
- She has earned income, but Roth IRA eligibility should be confirmed with a cross-border tax preparer.
Roth IRA
Tax-free growth for retirement. Powerful, but eligibility for a U.S. citizen living abroad needs a quick check first.
Taxable brokerage account
Flexible and simple. No special eligibility rules, available any time, withdraw whenever.
Temporary account in Mom's name
A practical bridge if we need to start today while the best long-term account gets sorted out.
Because you live in France and file both French and U.S. taxes, we should confirm the best account type before making contributions.
Suggested Simple Investments
Keep it boring. Boring wins.
Educational only. Three simple, low-cost building blocks:
Total U.S. Stock Market
One fund that owns a slice of nearly every U.S. company.
S&P 500
The 500 largest U.S. companies in a single fund.
International Stock Market
The rest of the world's companies, outside the U.S.
U.S. Based
80% VTI or VOO + 20% VXUS
A Little Global
70% VXUS + 30% VTI or VOO
This is educational, not financial or tax advice. Actual returns will vary.
Coming Next
Live account tracking
Once the account is opened, this site can connect securely through Plaid so you will be able to see your real investment dashboard here.
Current Balance
$400
Updated live via Plaid
Total Contributed
$400
Across all contributors
Investment Growth
$0
Balance minus contributions
Holdings
VTI
Live positions from your account
Monthly Contributions
$200/mo
Tracked automatically
Projected Age 65 Value
$772,383
Your long game
We will never ask for brokerage usernames or passwords. Connections happen securely through Plaid.
Moments
What a Great First 30 Years We've Had
The future is the point, but the people are the reason.
A Note For You
Happy 30th Birthday Annie Girl!
This is not just a birthday gift. It is an investment in your future.
This fund starts with a gift from some of the people who love you most. From here, it has the chance to grow through one of the most powerful forces in the world: compound interest. It may not seem like much today, but over time, small, consistent investments can become something extraordinary.
Here's how it works. Together, we'll choose the investment account that makes the most sense for your unique situation (likely a Roth IRA). Once it's open, we'll make the initial $400 investment. Then your Dad and I will each contribute $100 every month to help your Future Fund continue to grow. Mokin and Grandpa Jack will add to it whenever they can, and if you ever decide to contribute too, every dollar you invest is another gift to your future self.
Then comes the hardest part. Give it time to do its magic and resist the urge to interrupt it. Time is the secret ingredient that makes compound interest so powerful.
The point isn't the initial investment. It's building a habit that your future self will thank you for, with all of us behind you.
We hope this is just the beginning of a lifetime of investing, learning, and watching your money work for you.
Happy Birthday! We love you beyond words! xoxo
Your Village,
Mom, Dad, Mokin & Grandpa Jack