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The average annualized total return for the S&P 500 index over the past 90 years is 9.8 percent. 
Note this is an average hence some years it was -10%, some it was +20%. 
Let’s not be so optimistic and assume 7% annual return and 20 years of investment. 
In this simulation we are going to use 10 000 $ of initial investment and additional 400$ a month.

Adam Bielecki is a software engineer by profession and also a passionate investor. 
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He is following principles that were established by the legendary investor Benjamin Graham who was a promoter of value investment, Warren Buffet's greatest mentor and the author of Intelligent Investor. 
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