Over the course of, say, a year, you shouldn't get a noticeable change. From what I've read, latent image fading occurs mainly within the first 6 hours (about 1/3 of a stop, but think: how often do you process your film within 6h of exposing it, especially if it's 135 or 120? How many of those images look faded (dark)? Exactly!) and after that it is very slow, especially if you're storing at low temperatures. Obviously the sooner it's processed the better, but without a spectrophotometer, I doubt you'll be able to tell the difference.