When it comes to investing, many people believe the amount you invest is what truly matters. But here’s a secret: when you invest matters even more than how much you invest.
Let’s break down why starting early can grow your wealth exponentially, and how waiting can cost you more than you think.
What Is Early Investing?
Early investing means starting your investment journey in your 20s or as soon as you begin earning. It gives your money more time to grow through compound interest, which means you earn interest on your returns year after year.
Let’s look at the example below :
Difference: ₹6 Lakhs more investment = ₹2 Crores more wealth
💡 This is the power of compounding!
Compound interest is like a snowball — the longer it rolls, the bigger it gets.
🔸 Start early = More time = More growth
🔸 Start late = Need to invest more to reach the same goal
Early vs. Late Investing
🕒 Early Starter (Age 25)
- Invests ₹5,000/month
- Total Investment: ₹21 Lakhs
- Retirement Corpus: ₹2.93 Cr
🕙 Late Starter (Age 35)
- Invests ₹10,000/month
- Total Investment: ₹30 Lakhs
- Retirement Corpus: ₹1.81 Cr
👉 Even by doubling the investment, Raj can’t catch up with Riya!
Why You Should Start Investing Early
- You can start small and still build wealth
- You learn investment discipline early
- You handle market risks better over time
- You stay ahead of inflation
- You gain financial freedom sooner
❗ What If You’re Already Late?
Don’t worry. The second-best time to invest is NOW.
Start with whatever you can — increase your SIP gradually and build consistently.
💬 Conclusion: Time > Money
You don’t need a lot of money to build wealth — you need time.
Even a modest SIP in your 20s can outperform big investments made in your 30s or 40s. So the real question is not “how much should I invest?” but “how soon can I begin?”
Let InvestWorks Be Your Guide
At InvestWorks, we help you start investing the smart way — whether you’re 22 or 42.
With expert-curated mutual fund portfolios, SIP calculators, and personalized support, we make early investing simple, powerful, and rewarding.