Returns That Matter: Timing, Patience & Profit with Purpose

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Hey there, and welcome to Faith in Finance, where

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your values and your financial vision come together.

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I'm your host, Geil Thompson, Registered Rep

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for Joseph Eden Capital, a sister firm of Joseph

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Wealth Management. Every week, I'll be walking

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with you through the tools, truths, and strategies

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that help you build wealth with purpose, clarity,

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and peace. Because your money isn't just about

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what you have. It's about what you're building.

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Let's get started. Today, we're going deep on.

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question we hear all the time. What's the return

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on investment? Now, that might sound like a simple

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question, but most people don't fully understand

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what return really means. And without that understanding,

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it's easy to chase hype, get nervous during market

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downturns, or even miss out on the long -term

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blessing of investing. But when you do understand

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what a return truly is and how to measure it,

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you start investing with confidence, not confusion.

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So let's walk through it together. When we talk

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about returns, we're really asking, how much

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did my money grow over time? That can be measured

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three simple ways. Number one, a dollar amount.

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Number two, a percentage or number three, an

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annualized return. Let's walk through each a

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bit. Number one, the dollar amount. So let's

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just say you invested a thousand dollars and

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now it's worth eleven hundred. That's a hundred

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dollar gain. Simple math. Eleven hundred minus

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a thousand equals a hundred dollar return. Number

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two, percentage return. To express this gain

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as a percentage, you take that $100 return and

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divide it by the $1 ,000, which was your original

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investment, and you'll get .10. Now, you're not

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finished. I need you to now take that number

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and multiply it by 100. It should equate to 10

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% return. The third thing, we're talking about

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an annualized return. Let's say you take the

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same $1 ,000 and it grows to $1 ,300 over three

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years. That's a total gain of $300 or 30%. But

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how much did you actually earn per year? That's

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what the annualized return tells us. And in this

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case, it equates to about 9 .1 % per year. There's

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a formula for this, but most platforms calculate

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it automatically for you. You don't need to do

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the math. I just want you to understand what

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it means and how to calculate it. Now, let's

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talk about being realistic a bit. Most new investors

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want fast results, quick flips, viral returns,

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short -term wins. But folks, let's be clear.

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Real wealth is not built fast. It takes time.

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Historically, the market returns are about 7

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to 10 percent annually over the long haul. So

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let's see what happens if you stay consistent.

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Let's say you start with $100 today and you open

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an account. If that account on average generates

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about an 8 percent return. After 10 years, you'll

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have invested $12 ,000 because we know $100 times

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12 is $1 ,200, but it's 10 years. So times it

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again by 10. You've invested $12 ,000, but with

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that 8 % a year compounding, it should grow to

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approximately $18 ,000. That's a $6 ,000 growth

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profit. That's excellent. Let's use that same

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formula and let's extend it out for 20 years.

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So now you've invested $24 ,000 and it grows

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to $58 ,000 or more. That's $34 ,000 in growth.

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But wait, it gets even better because I really

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want you to understand the power of time. Let's

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say you invest for 30 years. You've invested

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$36 ,000 only of your own capital, $100 a month.

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Now it's grown to over 135 ,000 at an annualized

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rate of 8%. That's nearly $100 ,000 in compounded

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growth. That's the power of patience. Time in

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the market always beats timing the market. You

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don't have to predict the future. You just need

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to be disciplined and have a plan. Even when

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you're earning solid returns, there are three

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key things that quietly eat away at our progress

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all the time. If you're not careful, number one

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is inflation. If your investment returns at 8

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% but inflation is 3%, your real return is only

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5%. This is why it's important to invest in things

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that outpace the rate of inflation. The second

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thing is taxes. Now, when it comes to taxes,

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if you're investing in a regular brokerage account,

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you may owe taxes on your gains every year. But

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with accounts like Roth IRAs or 401ks, your money

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grows tax free or tax deferred. This is a huge

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advantage. Number three, fees. You got to know

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what you're paying in fees, people. Some investments

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come with high expense ratios or hidden fees.

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Even a one to two percent fee can eat into long

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term growth over time. At Joseph Wealth Management,

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we help clients build low cost, tax efficient

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portfolios so you can keep more of what you earn.

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Now, let's tie this all back to faith, because,

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of course, this is faith and finance, right?

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Galatians 6 and 9 says this. Let us not grow

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weary in doing good, but in due season we shall

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reap if we faint not. That's the principle behind

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investing. You sow with intention. You water

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with consistency. You wait with wisdom and patience.

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But most people give up too soon. They panic

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the moment the market dips. Listen, pulling out

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your money during a dip is one of the worst things

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you could do. They pull out before you reap the

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harvest. But don't allow fear to consume you.

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Don't do this. You're building with faith. You're

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planting with purpose. You understand time isn't

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your enemy. It's your advantage. Stay in position,

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stay in the ground and stay focused on the harvest.

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Now, you know, I couldn't end this segment without,

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of course, providing you with a challenge. So

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here's your challenge for this week. I want you

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to search for a free investment calculator online.

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I want you to plug in $100 a month. Because ultimately

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what I want you to do is for you to begin to

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start plugging in an amount that maybe you can

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say to yourself, hey, I can do this. A hundred

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dollars a month. And then I want you to put a

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seven or eight percent return. Next, I want you

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to calculate and see how much you could potentially

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have at 10 years, at 20 years, at 30 years. Look

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at it. How much did you invest? How much could

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it potentially grow and what it means for your

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future, your family and your legacy? Because

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this isn't just about dollars. It's about vision.

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It's about impact. It's about faith. And if you're

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ready to align your finances with purpose, I

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want you to call us. Let's talk. Visit josephwealthmanagement

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.com or call us at 800 -807 - 2881 to schedule

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your free consultation. Let's build wealth because

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faith doesn't just believe for returns. It prepares

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for it. Until next time, keep building, keep

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sowing and keep believing. Welcome to our faith

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perspective. Before we close, let's bring this

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home in the spirit. The principle of sowing and

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reaping isn't just financial, it's spiritual.

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In the kingdom, every seed has a season and every

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season requires faith. Galatians 6 and 9 says,

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let us not grow weary in doing good. For in due

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season, we shall reap if we faint not. When you

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invest, you're not just planting money, you're

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planting trust. You're saying, I believe in the

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process. I believe in the promise. And I believe

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that what I sow today will produce fruit tomorrow.

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That mindset anchors you. When the market fluctuates,

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it'll remind you to stay the course. It affirms

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that true wealth isn't rushed. It's revealed

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over time. So don't grow weary in doing good.

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Don't pull out of the process prematurely. Your

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return, both spiritual and financial, is being

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prepared in the background. And when the season

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comes, you'll be ready to reap. Thank you for

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tuning in today with us for Faith and Finance.

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We look forward to seeing you next episode. The

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Faith and Finance podcast is intended for educational,

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informational, and entertainment purposes only.

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The views and opinions expressed by the hosts

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and guests are their own and do not necessarily

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reflect those of Joseph Wealth Management, Joseph

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Eden Capital, or any affiliated entities. Nothing

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shared on this podcast should be construed as

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personalized, financial, legal, tax, or investment

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advice. All investing carries risk, including

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the potential loss of principal. Listeners are

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strongly encouraged to consult with a licensed

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financial advisor or fiduciary who understands

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their unique circumstances before making any

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financial decisions. Joseph Wealth Management

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and Joseph Eden Capital are registered entities

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and operate in accordance with applicable regulatory

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guidelines. This is conducted only in jurisdictions

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where they are duly licensed or exempt from registration.