The Investment Calculator uses two investment strategies that typically produce two different retirement scenarios. Aggressive investing indicates a higher financial risk with a higher potential reward, while conservative investing offers a lower financial risk with a more moderate potential reward. Aggressive investing typically means that you will invest in more stocks than in bonds. This type of investment strategy is smart when you have a longer amount of time before your retirement. A longer amount of time can also, in theory, withstand all the volatility of the stock market. The other good news is that more time passing will compound your interest, resulting in significantly larger retirement savings. Conservative investing is a more balanced strategy in which you invest in stocks as well as bonds. The return, or the amount that your money grows, is not as large as it can be when aggressively investing but the risk is lower.
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