Webinar visualOpportunity Cost Series
Phase 3 · How to Fund College Without Sacrificing Long-Term Wealth Growth — stock market
How to Fund College Without Sacrificing Long-Term Wealth Growth
A brokerage account built for retirement grows to $1,000,000 by year 18. Instead of selling, you borrow $300,000 for college at 5% — 30% of the portfolio (these loans are usually capped at about 50%) — and the full $1M keeps compounding on actual S&P 500 returns (1995–2024), then a projected 10% average out to year 60.
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Illustration: level yearly investing at a steady 10% reaches $1,000,000 in year 18; then S&P 500 total returns 1995–2024 (dividends reinvested, no fees or taxes) through year 48 and a projected 10% average through year 60. $300,000 borrowed at 5% with interest accruing and no payments; securities-backed loan terms and limits vary. Year-end values are actual market returns; the month-to-month line is illustrative. Past performance does not guarantee future results. Drag the gold handle, use ← → keys, or press Play. PageDown / PageUp moves between phases.