An investment time horizon refers to the length of time you expect to hold your investment for.
The starting amount refers to the initial amount of money you want to invest.
The monthly investment refers to the amount of money you want to invest every month on a continuous basis.
Source: MSCI World Index since 1987 (Morgan Stanley). For investing, we assumed your initial deposit, plus the same amount invested every month with the average market return of the MSCI World Index since 1987 of 8.0% (not accounting for inflation). For saving, we assumed your initial deposit plus the same amount invested every month with no interest rate (not accounting for inflation).
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