This is information about the magic and power of Compounding Interest. Albert Einstein's Theory of Relativity is generally credited with developing the concept of time being the fourth dimension of the universe. This concept is also found in the investment world.
Time is the best friend of a prudent investor.
It dramatically shows the power of Time . The second graph below adds the element of Rate of Return . If they would invest it themselves, they would make 13 times more profit. This could explain why the insurance companies and their agents are so anxious to sell teachers their plans. The magic of compounding is graphically illustrated by the ever increasing slope in the later years compared to the little difference in the early years.