Earnings assume a 6% annual rate of return and do not reflect the effect of fees or taxes, which would reduce the overall amount.
Source: Schwab Center for Financial Research. The chart above is hypothetical and for illustrative purposes only. Returns assume reinvestment of dividends and capital appreciation. Fees and expenses would lower returns. Earnings assume a 6% annual rate of return and do not reflect the effect of fees or taxes, which would reduce the overall amount.