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Compounding at 8% a year, assuming you do that for 5 years, it's another $33k

If I could get a guaranteed 8% return, I'd probably be more enthusiastic about saving the money.

Well, I don't know about 'guaranteed' but you might want to check out this post by rayvt: http://boards.fool.com/Message.asp?mid=28548621

I own some of the securities that are listed, plus some similar ones. I get a 9% annual return based on my purchase price, plus I've had over an 8% capital gain since I purchased in November. www.quantumonline.com is a good starting research tool, and the 'Bonds and Fixed Income Investing' board has some good discussions.

However, in only 5 years $27.4k of that $33k was the principal saved. Not quite $6k was the compounding. So it would still add up to over 8% of your current net worth at a 0% return.

AJ
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