Regret is a powerful teacher, and research consistently highlights two common regrets people share:
• Not spending enough time with loved ones
• Not investing early enough to secure financial freedom
Let’s focus on the second one—because the cost of waiting to invest is far greater than most people realize.

The Power of Starting Early

Consider two individuals: Invest Now and Invest Later. Their stories demonstrate how starting early—even with fewer contributions—yields significantly better results over time.

• Monthly Contribution: GHS 3,600
• Yield Rate: 15% annually (compounded)
• Investment Duration: 7 years for Invest Now and 17 years for Invest Later
• Evaluation Age: 48 years old

Why Does Invest Now Win?

• Compound Interest: Starting early allows your money to grow exponentially as interest compounds on your returns
• Time in the Market: Even though Invest Later contributes more than twice as much, they miss out on 6 critical years of compounding growth—years that make all the difference

Backed by Research

According to a study by the National Bureau of Economic Research (NBER), individuals who begin investing in their 20s are 30% more likely to achieve financial independence by retirement than those who start in their 30s. Additionally, a report by Vanguard highlights that the earlier you start, the more powerful your compounding gains become, often accounting for the majority of wealth accumulation

Key Takeaways

• Start Early: Even small amounts invested early grow exponentially over time
• Time Is Your Ally: The longer your money has to grow, the larger your returns
• Don’t Wait for More Income: Investing even modest amounts consistently is better than waiting for the "perfect moment."

Take Action with CedisPay

At CedisPay, we make it easy to start investing with tailored financial solutions that maximize your growth potential. Whether you’re just starting or catching up, we’re here to guide you toward financial freedom.

Ready to Start?

Click below or reach out today to learn how CedisPay can help you start building your financial legacy. Remember: The best time to plant a tree was 20 years ago. The second best time is now. 🌱