A Refresher Course on the Power of Compound Interest — VAULT Cryptocurrency Blockchain News #22

Robert Cowherd
8 min readSep 5, 2021


Week of August 28th — September 4th

There are many ways to invest and save money. People use stock, gold, silver, and cryptocurrencies to accumulate dollars in their bank accounts. Some of the best investments are those that generate passive income by earning interest. Mutual funds, investment properties, dividend yielding stocks, and certain classes of cryptocurrencies can provide fixed and variable annual percentage rate (APR) yields. Today, I wanted to look at the power of these investment products and show you how they can produce life changing wealth.

For example, $10,000 invested over 40 years at 5% APR would generate $70,400. That is about seven times the initial investment and would provide a good chunk of change for retirement.

Now look at that same $10,000 over 40 years and increase the APR to 10%. The ending balance now goes to $452,593, a bit more than 45 times your original $10,000 investment. This shows the power of compound interest.

There are some investment products, such as some S&P 500 index funds that can generate approximately 20% per year currently. At 20% per year, over 40 years, a $10,000 investment could turn into $14,697,716. This is 1,470 times the original investment and we are talking serious money now.

The problem most people have is that they may not have $10,000 to invest initially, especially if they are just starting their career and family. Another option is to make smaller contributions over a longer period of time. Suppose you are able to save $500 per year every year. This pattern will amount to a total of $20,000 over 40 years. If we assume a 10% APR, this $20,000 will generate an ending balance of $243,426. Notice that the larger $20,000 amount accumulated over 40 years generates less than the $10,000 invested as a lump sum initially ($243,426 versus $452,593).

Twelve times your original investment is a good return but is much less than the 45 times you could have had by making the $10,000 initial investment. Some may say 40 years is too long and a 10% APR is not realistic at today’s interest rates. If we switch our numbers to 30 years and a more realistic 5% per year return, then these multiples are 4.3 for the $10,000 invested at the onset and 1.7 for the pattern of investing $500 every year.

The key to generating the most wealth with compound interest is to invest the most money you can at the best interest rate you can over the longest time frame you can.

A key element of investing is time. Every year you put off investing is costing you money. Every year you have your money making interest is making you nice gains.

VAULT Crypto News This Week

20% CRYO Freeze Bonus on VAULT coin Coin Packs + Exchange Buys Extended!

Congrats to everyone who took advantage of the 20% bonus, and we’re extending this offer through September 15th!

We’ve gone CRYO crazy so until September 15th 2021 we’re offering a huge 20% CRYO freeze BONUS on:

Any VAULT coin Coin Pack (VAULT coin only) purchased on VAULT.Investments platform and we’ve already added 20% bonus coins to all of them through September 15th 2021, the prices are very competitive and these coins are already frozen in CRYO when purchased!

VAULT coin Coin Packs

Any quantity of VAULT coins purchased on Crex24 and/or SouthXchange, and just let IAN| VAULT.Investments know that you want to freeze them in CRYO for the 20% bonus by September 15th 2021! If you’re already holding some unfrozen VAULT coins, you can get the 20% CRYO freeze bonus on those too if you want and let Ian know by September 15th!

VAULT on Crex24

VAULT on SouthXchange

Basically we’re offering a 20% bonus for ALL VAULT coins that are unfrozen on September 15th! Plus all VAULT coin Coin Packs get an instant 20% bonus as they are already frozen! Even investors holding coins now that might be accumulating can get the 20% freeze bonus, which would bring some of you to 500 or 1000 CRYO VAULT coins and VAULT Investors or VAULT Club and VAULT Reserve Board status plus access to higher APR levels in the BTC% program!


BNJ upgraded to the new collateral (20000), all masternodes restarted https://my.vault.investments/coins/bnj/

EMOJ updated to v1.0.1.0, all masternodes restarted https://my.vault.investments/coins/emoj/

VAULT Coin’s Market Performance This Week

VAULT cryptocurrency has been fairly stable this week. We saw a high on Friday of $5.34 and a low on Monday of $4.94. We finished out the week at $5.25 for our second consecutive 0.9% increase from $5.19 this time last week.

From Coingecko.com

We saw an average of $1,479.66 traded daily. This maintains us above the $1,000 daily level and is slightly below last week’s number of $1,522.66.

VAULT coin trades on CREX24 and SouthXchange and we saw 100% of the trading volume this week occurring on CREX24. The Minimum Guaranteed Price https://vaultility.vault.investments/ buy wall of 999.68 VAULT at 10,500 Satoshi was maintained with 0.11 VAULT above the wall.

Investors might consider buying the VAULT dip and taking advantage of VAULT’s current 20% CRYO bonus VAULT coins special by placing a bid or market order soon and letting Ian | VAULT.Investments#4786 on VAULT Investments Discord https://discord.gg/BEDSGCs know by September 15th, 2021 that you want to freeze coins for the bonus.

The current price is 10,500 Satoshi (0.00010500 BTC), slightly below last week’s closing price of 10,600 Satoshi (0.00010600 BTC).

In addition to the platform, products, use, and demand, VAULT continues to benefit greatly from being tied to Bitcoin. This week we saw BTC make nice gains, up 2.1%.

Bitcoin (BTC) Update

In the introduction, I explained the power of compound interest. You might say all that sounds great, but I need money now, not in 30–40 years. You say I have seen 100% APR on a number of cryptos and even some stocks like GameStop (GME).

Indeed, this was the case for the 3 months between January 28th through April 15th 2021. During this time, we saw Bitcoin surge 108%, more than doubling its value from $30,432.55 to $63,314.01. We also saw GameStop (GME) value increase in value 18-fold during the first 27 days of January, from $18.84 to $347.51 per share.

It is gains like these that fuel the fever for trading crypto and stocks. One win during these increases makes people think trading is easy and that the sky is the limit as they begin to trade more and even start placing margin calls on the next sure thing.

This brings up the dark side of trading. Remember I said the most crucial element of successful investing is time. When people try to cheat time, it sometimes doesn’t work out too well.

Many people made a quick buck in the examples I included above, but there is more to the story. From April 15, 2021, through July 20, 2021, Bitcoin fell from $63,314.01 to $29, 807.35. It took GameStop even less time to lose even more. From January 27, 2021, through February 19, 2021, it lost 88% of its value, falling from $347.51 to $40.49 per share.

One thing we learned from many masternode coins and numerous yield farms is that earning a high ROI or APR is not beneficial if the base coin loses its value. To make the best return, you need an asset that is going to at least maintain its value or hopefully increase in value.

This is where VAULT’s Minimum Guaranteed Price feature is so powerful. Not only are you getting around 25% ROI masternode rewards currently (you saw earlier how powerful 20% APR can be), but you have the stability of a guaranteed minimum price on exchanges. The other benefit is that the price is based on Bitcoin and not fiat dollars. You have the assurance that Bitcoin has consistently outperformed the dollar and is currently up 389.3% this year and is up 73,511.7% since 2013.

Cryptocurrency News This Week

SEC Continues to Investigate Crypto

US Judge Grants the SEC Access to Ripple’s Missing Internal Conversations on Slack

The SEC Opens an Investigation Against Uniswap’s Developer: WSJ Report

The SEC Filed Charges Against BitConnect, its Founder, and Top US Promoter

Celebrities Jumping Into Cryptocurrencies

Mainstream Crypto: Reese Witherspoon Buys Ethereum; Paris Hilton Shows Love for Bitcoin

Big Changes Coming to El Salvador

Survey: 70% of El Salvadorans Not Happy With the New Bitcoin Law

Ahead of the Bitcoin Law: El Salvador Votes in Favor of $150M BTC Trust

Crypto Big Down Under

Survey: Every Sixth Australian Owns Crypto as Bitcoin Maintains Popularity Crown

Metamask Explodes

MetaMask Celebrates 10 Million Monthly Active Users: 1800% Yearly Growth

Bitcoin and Twitter

Twitter Supposedly Looking to Adopt Bitcoin Lightning Network for Tipping Service

Coinbase Running out of Bitcoin

Bullish: Bitcoin Reserves on Coinbase the Lowest Since December 2017

Trump not big on Crypto

Donald Trump Says Crypto is a Potential Disaster Waiting to Happen

VAULT Crypto Portfolio Tracker

I wanted to give you a running tally of what you could potentially be earning with VAULT. The example I’m using is holding 1 CRYO VAULT masternode (CRYO VAULT is available here with 20% bonus VAULT until September 15th) with 0.1 BTC invested in the BTC% program (check it out here).

I wanted to show you what kind of returns you could be earning weekly and cumulatively.

One VAULT masternode of 1,000 VAULT with current ~25% ROI generated 4.76 VAULT blockchain rewards this week for a total of 116.37 VAULT over the past 23 weeks if you compounded your daily rewards with 100% reinvest on VAULT platform. Total is now 1,116.37 VAULT. The total dollar value earned was $610.94 at VAULT’s current price of $5.25. The total BTC value at VAULT’s current price (0.00010500 BTC) is 0.0122188.

Investing 0.1 BTC in the BTC% program earns you 11% APR, giving you a weekly return of 0.00021089 BTC. Over the last 23 weeks, this would be worth 0.00485047 BTC with a current value of $242.29.

The current total value of your potential returns over the past 21 weeks would be $853.23 or 0.017069 BTC.

We Are Here to Help You DYOR (Do Your Own Research)

I hope this week’s update on the power of compound interest, VAULT, Bitcoin and cryptocurrency news has been helpful.

If you have any questions please feel free to post or contact me Bobtilladhun (rmcowherd@icloud.com) or any team member on VAULT Investments Discord server:

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CM| VAULT.Investments#4777






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This is not financial advice. VAULT Investments provides a service to its clients and is not responsible for projects listed or featured in its platform or ecosystem. Users should always DYOR. Invest at your own risk.