01 / MONTHLY INVESTING
What if you invested every month?
See how regular saving worked out in the past.
Account for how everyday prices changed over time.
Middle past result · S&P 500
At age 50, after Moroccan inflation.
23 → 50
Hover or tap to explore. With the chart focused, use left and right arrow keys to change age.
| At age 50 | Middle result | Lower result1 in 10 below | Higher result1 in 10 above |
|---|---|---|---|
| S&P 500 | 879 360 DH | 560 363 DH | 1 213 512 DH |
| Gold | 522 127 DH | 96 387 DH | 970 612 DH |
| MSCI WorldPrice only · no dividends | 550 020 DH | 421 261 DH | 764 453 DH |
| Diversified portfolio | 801 913 DH | 688 237 DH | 982 201 DH |
| Leaving it in the bank | 134 110 DH | 78 301 DH | 296 564 DH |
Past results, after changes in everyday prices.
02 / FINANCIAL INDEPENDENCE
Make work a choice.
See how much to save before you stop working.
Savings needed · retire at 45
Invested to fund 60 000 DH a year, until age 80.
Invest each month
3 265 DHFor 22 years, increasing with inflation.
Hover or tap to explore. With the chart focused, use left and right arrow keys to change age.
| Monthly investment | Estimated retirement |
|---|---|
| 3 000 DHIn today’s money | |
| 3 265 DHYour target contribution | |
| 12 000 DHIn today’s money |
Each age allows for how long the savings need to last. The estimate uses your chosen growth rate; actual returns can be different.
Today’s prices. Historical data. Not financial advice.
03 / ROOM TO BREATHE
Money ready for the unexpected.
See how much to set aside if your pay stops.
A planning guide. Not financial advice.
04 / A PLACE TO CALL HOME
Which choice could leave you with more?
Compare a similar home, and invest the money you save.
Compare homes of a similar size and location. You pay 200 000 DH of the price yourself and borrow 800 000 DH. Enter 100% if you would buy without a loan.
After 10 years, with these numbers
Renting leaves you with more money at today’s prices. This assumes you sell the home, repay the loan and keep any invested savings.
Hover or tap to explore. With the chart focused, use left and right arrow keys to change year.
Each point shows what you could have left if you moved out then. A minus sign means selling and using your savings would still leave some debt. All amounts use today’s prices.
Try a different number of years. Adjust future prices and savings growth under More settings.
| At year 10 | Rent | Buy |
|---|---|---|
| Home value | — | 952 048 DH |
| Loan left to repay | — | −411 105 DH |
| Selling fees and estimated tax | — | −28 561 DH |
| Investments | 524 621 DH | 0 DH |
| Deposit you get back | 4 102 DH | — |
| Total money left | 528 723 DH | 512 381 DH |
To buy, you need 270 000 DH at the start: 200 000 DH toward the home and 70 000 DH in fees. Renting starts with 5 000 DH in deposit and fees. Both choices are given 270 000 DH, and invest what is left.
An estimate using your numbers. Not financial advice.
05 / KEEP MORE OF YOUR MONEY
What do fees really cost?
Compare up to three ways to invest the same money.
Choose bank accounts, broker plans or investment funds. Each shows its own fees. Ranges, maximum rates and missing charges are labeled; change them to match your quote.
Results use the entered charges. Missing costs are excluded until you enter a quote; ranges use their upper rate and funds start at their published maximums. General bank packages are excluded. Different products have different risks: this compares costs using the same growth assumption.
After 25 years, with these assumptions
Option A has the highest balance under these entered fees. Future amounts, before investment taxes and inflation. VAT is only included when entered in a plan’s More fees.
Hover or tap to explore. With the chart focused, use left and right arrow keys to change year.
The reference line shows the same investment without fees. Every line uses your 6% growth assumption. Hover, tap or use the arrow keys to compare a year.
Scroll sideways to compare every option.
| Cost | Option A · ECO | Option B · TRADING |
|---|---|---|
| Fund fees | 0 DH | 0 DH |
| Account fees | 20 520 DH | 37 994 DH |
| Buying fees | 5 640 DH | 4 313 DH |
| Currency exchange fees | 0 DH | 0 DH |
| Dividend collection | 0 DH | 0 DH |
| Final sale / transfer | 0 DH | 0 DH |
| VAT on fees | 0 DH | 0 DH |
| Total fees paid | 26 160 DH | 42 307 DH |
| Growth difference | 23 957 DH | 44 380 DH |
| Total difference from no fees | 50 117 DH | 86 686 DH |
Fees paid plus the growth difference equal the total gap. Growth difference includes what deducted money could have earned, and any time cash waited to be invested. It can be negative when markets fall.
BANK OF AFRICA’s supplied poster has no securities tariff, so its option is unavailable. Ask for the BMCE Capital Bourse brokerage, settlement and custody schedule. Artbourse’s PDF download currently returns 404; indexed terms are recorded, but a current downloadable agreement is needed.
Wafabourse · subscription agreement · Date not stated · pages 5, article 21
Source ↗PDF prints an unclear ‘0,15 Dh’ unit. 0.15% yearly is an assumption; confirm it with Wafabourse.
VAT rate not printed in this agreement. Enter a confirmed rate only.
Only transfers between Attijariwafa accounts are stated free; an external transfer needs a quote.
Wafabourse · subscription agreement · Date not stated · pages 5, article 21
Source ↗PDF prints an unclear ‘0,15 Dh’ unit. 0.15% yearly is an assumption; confirm it with Wafabourse.
VAT rate not printed in this agreement. Enter a confirmed rate only.
Only transfers between Attijariwafa accounts are stated free; an external transfer needs a quote.
A cost comparison using your assumptions. Not financial advice.