09/28/2026
This is a hypothetical example and is not representative of any specific investment or combination of investments. Illustration assumes Early Investor contributes $10,000 annually to a tax deferred retirement account for ten years, and then leaves the money invested for an additional thirty years, but does not make any additional contributions, while Late Investor contributes $10,000 annually for thirty years. Both accounts earn a hypothetical 6 percent annual rate of return. The early investor put in $100,000. The late investor put in $300,000.They ended up with nearly the same amount. Let that sink in. The sooner you start to save, the less you will have to put away. If you’ve been waiting for the “right time” to start investing, this chart is your sign.
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