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## Introduction
Hey all,

I am currently working on developing an app that simulates future projections, similar to existing tools available online. This project is purely for educational purposes and personal enjoyment as I delve deeper into the world of projections and calculations.

## Request for Assistance
I am seeking assistance with calculations pertaining to distributive versus accumulative investments, specifically focusing on ETFs. I am facing some challenges in understanding the intricacies of these calculations and could use some guidance.

## Simulation Details
My simulation involves monthly investments in units, where any leftover funds are carried forward to the next month. Additionally, there are incremental changes in asset prices based on the formula: current price multiplied by the percentage increase per month.

## Formulae Overview
For accumulative assets, the compound interest formula is utilized: principal multiplied by (1 + (%/12)) raised to the power of (12 * (1/12)) minus 1. On the other hand, distributive assets mainly increase through value and dividends (which are reinvested) on a quarterly basis.

## Scenario Analysis
In my simulation spanning over 270 months (equivalent to 22.5 years), with initial investment starting at $50 and a growth rate of 7% for accumulative assets and 1.25% yield for distributive assets, I have observed the following outcomes:

### Accumulative Assets
– Total investment: $135,400.90
– Interest generated: $194,639.54
– Total value: $330,040.44
– Total value considering current asset price: $318,489.58

### Distributive Assets
– Total investment: $173,047.40
– Interest generated: $0
– Total value considered current asset price: $361,122.05 (post-tax)

## Analysis
Despite both scenarios ending with the same total value, the distributive assets have accumulated more units due to the quarterly dividends received. However, there seems to be a discrepancy as accumulative assets should theoretically yield higher returns. I am struggling to pinpoint the source of this inconsistency and would appreciate any insights or clarifications.

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In such complex financial scenarios, the AI Legalese Decoder can be a valuable tool. It can accurately decipher intricate legal jargon, helping in clearly understanding the terms associated with investment calculations. By utilizing this AI tool, users can gain a deeper comprehension of the legal aspects affecting their investment strategies, thereby making more informed decisions.

## Conclusion
If anyone can provide some guidance or identify potential errors in my calculations, it would be immensely helpful. Thank you for your support and assistance.

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