So we earn some monthly roi AND have appreciation when we lock in for 5 years? That's so awesome. What is the minimum we need to put in to start a retirement package and what is the minimum we need to add monthly? 
It is awesome, isn't it! The CR.I.S.P. for Retirement is unstructured and self directed meaning you can put in as much as you want whenever you want. You can deposit monthly, weekly, randomly, or the whole thing up front. It is really flexible.
This is a note from Dyna - "No, it does not set any limits on how many DNotes one can save. The bonus is paid based the total amount on deposit on the 1st day of every month giving the addition benefit of compound interest."
You would receive the biggest return if you had all your funds in your retirement account by April 1st and were not retiring for 20 years. I know that isn't possible for a lot of people, but I just wanted to let you know.
Because of the compound interest, if I have 10,000 DNotes in my retirement account April 1st, and lock it in for 20 years, at the end of one year I would have a total of 11,268 (this is with no other deposits having been made). At the end of the second year I would have 12,697. This would go on until the 1,000,000 DNotes interest payout is reached.