All else equal, at a young age, would you rather have a large level of savings or a pool of savings that was increasing at a faster rate? The large level of savings—the value over a long period of time will always end up larger. It depends—if the growth rate on the pool of savings is enough higher than the growth rate on the large level of savings, then over a long period of time the small pool of savings will have a greater value. The pool of savings increasing at a faster rate—the value over a long period of time will always end up larger. It does not matter—the two options will always converge and end up having the same value.