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.

Please Login to copy this **Scenario** to a Free Plan, Plus Plan, Copper Plan or better.

**Scenario**into my

**Real Estate Financial Planner**™ Software

**SS 010 Investing $100,000 in Savings at Approx 2%/yr** with 2 **Accounts**, 0 **Properties**, 1 **Rule**, 1 **Goal**

## 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.

More posts: Scenario With Only Savings

## Scenarios with Variable Rate of Return on Savings

Looking for other sample **Scenarios** that have variable rates of return for savings? If so, check these out:

More posts: Scenario with Variable Savings Rate of Return