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To see how much you need invested to realize a certain amount of interest payment, take your APY and divide the amount of money you want by that figure. Here is how it is done: if you want $15,000 (it could be pounds sterling or euros, the number is the important thing) per year, if you can reasonably expect an APY of 4%, your calculation will be 15000/.04=375000. Can you save that much? Inflation and devaluation of currency will eat into this and what if something happens to the investment itself? In some countries, the government has been ripping off private retirement funds..

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