Consider two individuals: Invest Now and Invest Later. Their stories demonstrate how starting early—even with fewer contributions—yields significantly better results over time.
Investor | Start Age | Years of Investment | Total Contributions (GHC) | Value at Age 48 (GHC) |
---|---|---|---|---|
Invest Now | 25 | 7 | 302,400 | 4,578,395 |
Invest Later | 31 | 17 | 734,400 | 4,118,615 |
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 states that the earlier you start, the more your money works for you, as early investments account for over 70% of wealth accumulation through compounding.
Investing isn’t just about how much you contribute—it’s about when you start. Every year you delay, you’re giving up opportunities for growth that you can never get back.
Don’t wait for the “perfect time” to start investing; it doesn’t exist. Start small, start smart, but most importantly, start now. Let’s help you build a financial future you’ll never regret.
Comment below or reach out to learn how CedisPay can help you make the most of your investments today. Remember: The best time to plant a tree was 20 years ago. The second best time is now. 🌱
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