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Retirement — Intermediate
Time in the market beats everything. Starting 10 years earlier can double your retirement corpus.
Concept
Time in the market beats everything. Starting 10 years earlier can double your retirement corpus.
The power of starting early comes from compounding: money invested earlier has more time to compound. Even small amounts invested in your 20s can outgrow much larger amounts invested in your 30s because of the extra compounding years.
हिंदी मेंजल्दी शुरू करने की power compounding से आती है। 20s में छोटी amount invest करना 30s में बड़ी amount से ज़्यादा grow कर सकती है।
Example
See it in action
Person A: ₹5,000/month from age 25 to 60 (35 years) at 12% = ₹3.25 crore. Person B: ₹10,000/month from age 35 to 60 (25 years) at 12% = ₹1.90 crore. A invests ₹21L total, B invests ₹30L — yet A has ₹1.35 crore MORE.
हिंदी मेंPerson A: 25 साल से ₹5,000/month × 35 years = ₹3.25 crore। Person B: 35 साल से ₹10,000/month × 25 years = ₹1.90 crore। A ने कम invest किया लेकिन ₹1.35 crore ज़्यादा बनाया।
Key takeaway
Remember this
The best time to start investing was 10 years ago. The second best time is today.
You don't need a high salary to start investing for retirement — even ₹1,000/month from age 22 beats ₹5,000/month from age 35.
हिंदी मेंInvesting शुरू करने का सबसे अच्छा time 10 साल पहले था। दूसरा सबसे अच्छा time आज है।
Learn Retirement by doing
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