# Sample Scenario 010 – Investing \$100,000 in Savings at Approximately 2% per Year

Sample Scenario 10 adds some complexity to Sample Scenario 9.

In both Scenarios you are investing \$100K in a savings account.

However, in the previous Scenario, sample Scenario 9, the interest rate on the savings account was fixed at 2% for the entire Scenario.

In this one, sample scenario 10, we’ve added a Rule that makes the rate of return for the savings account variable.

The Rule… and you can change these assumptions by copying it to your Planner™ and editing the Rule… will select a random number using a normal distribution curve between -.25 and .25 and add that to the rate of return.

For example, the rate of return starts at 2% per year. If the Rule had a random number of .01 then the interest rate for the savings account then becomes 2.01%.

If the next month the Rule selects a random number of -.03 then the return on the savings account for that month becomes 2.01 – .03 = 1.98%.

We do set hard limits where the interest rate can’t go below .01% and can’t go above 6% per year. Of course, you can adjust these assumptions as well.

I created this Scenarios as part of the How to Invest \$100K article where I compare how to invest \$100K in a variety of different investments.

## Copy To Your Own Planner™

Since this Scenario has a Rule that makes the rate of return on your savings account variable, you can imagine that if you run it again you will get different rates of return and therefore different savings account balances and therefore different net worth Charts.

So, if you want to copy it to your own Planner™, change any of the assumptions and rerun it, you can do that using button below.

to copy this Scenario. New?

SS 010 Investing \$100,000 in Savings at Approx 2%/yr with 2  Accounts, 0 Properties, and 1 Rule.
Or, read the detailed, computer-generated, narrated  Blueprint.

## Savings Account Yearly Rate of Return

This will change each time you run the Scenario, but for the time I ran it for creating this blog post, this is what the rate of return for the savings account looked like.

## Savings Account Balance

And, this is what the account balance looked like with the yearly rate of return for the savings account when I ran it. Of course, if you run it again… since the Rule makes the rate of return variable… the savings account balance will also be differnet.

## Things For You To Test For Yourself

With the addition of the Rule that makes the yearly rate of return for your savings account variable there are quite a few things for you to change and test for yourself.

Of course, you have all the things we mentioned for Sample Scenario 9 that you might want to check out like: inflation rate, paycheck and personal expenses, add Properties and change your Goals.

But, you can also change the characteristics of the Rule to completely change how the rate of return varies.

## Just Savings

Here are some of the other sample Scenarios that only have savings in case you want to look for other ones that are similar to this one.