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If I use the following online calculator I get approx what my investments will be worth in the future.
Initial Investment:
Assumed average annual return:
Assumed Inflation Rate:
Number of years:

I did this calculator twice. Once in late Dec '07 and once just now, using all of the same factors each time expect for initial investment, which of course now is much less.

If buy and hold (I'm committed to buy and hold) is a better strategy, I'm not seeing it here in this calculator. I now have much less money to grow over say 20 years, so obviously I'm ending up with less at the end of those 20 years.

...And let's assume no new money being added to this scenario.

What simple thing am I missing?

I'm not sure how to make my question clearer, but if some patient person knows what I'm getting at maybe they can reply.

Thanks a bunch.
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