The Cost of Waiting: Why Time Matters More Than Money
This one decision is costing crores to retail investors.
"I’ll start investing later, maybe after my next raise".
It's the most expensive lie.
The truth is , delaying investing by even a few years can cost you crores over your lifetime.
Let me show you with an example:
Imagine two friends, Riya and Neha.
- Riya starts investing ₹10,000/month at age 25, and stops completely at 35, just 10 years of investing.
- Neha starts later, at 35, and invests ₹10,000/month till 60, here, the duration is 25 years.
Both earn an average annual return of 12%, now guess who ends up with more at 60? If you are answer is Neha, then you are wrong.
Riya, who invested only ₹12 lakhs, ends up with ₹3.8 crore
Neha, who invested ₹30 lakhs, ends up with only ₹1.7 crore.
The one who invested less money made ₹2.1 crore more, just because she started 10 years earlier.
That’s the power of compounding. It doesn’t reward how much you invest.
It rewards how early you start.
That's because TIME is the biggest compounder
Warren Buffet famously started investing at 12.
Don't wait for that big salary. Begin small and be consistent , because the best time to invest was yesterday and the second-best time is today.
At AND Fintech, we’re committed to helping investors build strong financial foundations through transparent strategies and ethical advice, so you invest with clarity, confidence, and long-term purpose.
Originally published on LinkedIn
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