07/10/2026
One of the most overlooked risks in personal finance isn’t bad investments, it’s delayed ones. Even a five-year delay may significantly impact long-term investment growth.
For example, assuming $500 invested monthly with a hypothetical 7% annual return:
• Starting at age 25 could grow to approximately $1.2 million by age 65.
• Starting at age 30 with the same amount could grow to approximately $760,000.
• Starting at age 35 could grow to approximately $530,000.
The lesson: don’t wait until your finances feel perfect. Starting imperfectly is still starting.
Disclosure: This is a hypothetical example for illustrative purposes only and does not represent the performance of any specific investment, account, or client experience. The example assumes $500 invested monthly and a 7% annual return, compounded monthly, and does not account for fees, taxes, inflation, market volatility, or changes in contribution amounts. Actual results will vary. Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. This content is for educational purposes only and should not be considered individualized investment advice.