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.
Login to copy this Scenario. New? Register For Free

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.
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