Well yeah it compounds by itself on top of what you're putting in.. it is all based on the funds that you choose though. For instance I started out with a little over $10k on the 1st and the market did pretty well this month so on top of the $400 or so I've put in the interest kicked in about $1000.

So imagine the returns when you have $50k to $100k.. I'm sure its fun to watch the money add up at that point.