When Should You Start Investing?

Let me make this short and sweet.

In my previous blog The Easy Way of Investing – Peso Cost Averaging, I shared the hassle-free ultra-mega easy way of investing in the stock market which would require only three hours of your time every year.

That blog actually emphasized the stage of planting, religiously putting fixed amount into your investment at fixed intervals over a long period of time.

So this blog shows the potential harvest of that healthy habit.


Below tables compares the returns of investing in the stock market, assuming a growth of 10% annually, extracted from the investing primer of Philippine Stock Excahange(PSE).
The three cases involved did exactly the same thing – investing fixed amount of Php5000 every month (giving a total annual investment of Php 60,000) for ten years, for a total investment of Php 600,000.
The only difference is the age at which they started to invest, but the ending spells the BIIIG impact of time being your best friend.

STARTING AGE                               25

Annual Investment

Php 60,000

Year Investing

10 years

Total Investment

Php 600,000

Ending Value at age 65

Php 20, 189,953


STARTING AGE                               35

Annual Investment

Php 60,000

Year Investing

10 years

Total Investment

Php 600,000

Ending Value at age 65

Php 7,784,101


STARTING AGE                               45

Annual Investment

Php 60,000

Year Investing

10 years

Total Investment

Php 600,000

Ending Value at age 65

Php 3,001,108


There you have it.
Can’t say it better. Time is your most precious asset.
Every day you delay is a day you waste for your money to work hard for you.


Have fun investing!


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