Investment Tips: In today’s rapidly changing times, young people want to retire early, and building a large fund is crucial. Planning for retirement as soon as they get a job seems daunting to many, but experts believe that the earlier one begins preparing, the better the results. In this context, Chartered Accountant Nitin Kaushik shares important investment insights that can reshape young people’s financial thinking.

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The significant difference between starting investments at 25 and 35

Nitin Kaushik explains that the returns from starting investments at 25 are significantly higher than those from 35. He says that if a person starts investing 10 years late, their retirement fund can grow by over ₹1 crore. This difference is not just due to the investment amount, but also due to the power of time-based compound interest.

Retirement is not a matter of age; it’s a matter of habits

Kaushik explains that people often assume that the right time to retire is 60, as if it’s a natural law of life. However, the reality is that retirement isn’t a matter of age, but rather a matter of discipline and habits. In his view, retirement isn’t determined by your date of birth, but rather by the discipline of your financial planning.

Early Investing Makes Retirement Possible 10 Years Earlier

CA Kaushik writes in his post that someone who starts investing ₹10,000 every month at the age of 25 has the opportunity to retire approximately 10 years earlier than someone who starts investing the same amount at 35. This is primarily due to compound interest, which grows slowly in the initial years but rapidly increases wealth over the long term.

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Starting early is the true foundation of a retirement fund

He says that when you start investing determines both the direction and the distance of your money’s journey. The longer the delay, the greater the loss of earnings. Therefore, young people should abandon the notion that they have plenty of time and can invest later. The key to a better retirement is practising financial discipline as soon as one starts earning.