In this video Yaser Nasser Alulait says, You need to focus on one rate of return. Some people may be cautious, and they will be looking at 3-4% per annum. If you are more adventurous in investing, then you will be looking at 9-10% or maybe more per annum. I have crunched the numbers for all the permutations, from age 4 all the way up to 64 years of age. This shows how much you must invest in a month, fixed at each given interest rate.