Start Investing For Retirement By 35-40

When Is The Best Time To Start Investing?

Is 39 too late to start investing? The answer is NO.

Because it’s never too late to start investing! Time is a key tenet of investing, since time is what brings results.

Good investing is aimed at beating inflation and provides you with a corpus of money that will enable you to maintain the same kind of lifestyle you had when employed. 

 The Purpose Of Investing

Compounding is one of the biggest factors that makes your money grow. The growth rate of your money speeds up as years pass.

Benefits Of Saving Early

Inflation reduces the value of your money, while compounding increases it. The earlier you start, the better.

It’s never too late to start investing. You might not get the same results compared to starting investments in your 30s, but you can still ensure a degree of financial security

 Is Investing In Your 40s Too Late?

You still have 10-15 years to make the most of it!

Later into your career, you normally earn more. You should capitalise on that by saving more.

Late To The Party? 

While there is no real thumb rule to saving, 30% or more of your income is a good starting point. 

Save More

If it is an option, you might want to increase your working years so you can save more. This will give you the additional investment capital required.

Late To The Party? 

 Postpone Retirement

If you started investing late, live frugally once you retire. Living within one’s means is not just a good quote - it can save you a lot of trouble.

Late To The Party? 

 Downsize Post Retirement

If your corpus is smaller, adopt a lifestyle that fits the corpus. 

Since you need to grow more in a smaller amount of time, you will have to take risks.

Late To The Party? 

Take some Risks

From an investment perspective, this means allocating a good chunk of your investments towards equity.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.