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Waiting to Get Started in Investing? You Lose Over $7600 A Month While You Wait!

Updated: Feb 7, 2023

Investing, and compounded interest - has the power to change someone’s life entirely. For myself personally, I am using investing - every single month, investing 80% or more of my income aggressively - to achieve a total of 2.2 million dollars so I can build a good future with my girlfriend before the age of 40.

The passive income would allow me to:

  1. Be the sole breadwinner of an entire family

  2. Support my parents as well, if need be

  3. Have housing in multiple countries, as well as provide expensive higher education for children

  4. Have more time and energy to raise said children, as well as have hobbies of my own. One of my dreams is to build a boat. With my hands.

But why the rush, you might ask. And isn’t it risky to invest that much? Why not wait?

Wait till your career is more stable. Wait before committing to investing for 5, 10 years. Wait till you get married. This is why.

For every month that you put off investing, you stand to lose about $7663 a month in your 50s.

It sounds pretty crazy, but it gets worse. Because the investment amount required is only based on $12,000/yr, or about $1000/mth.

It seems ridiculous to think that not deciding to invest $1000/mth will cost you $7663 every month, but that's exactly what happens.

Additionally, you only need to invest this amount ($12,000/yr) for 10 years. 10 years of diligently putting aside this saving, and you might be set for life.

The rest of it is compounding interest - there's absolutely no additional capital required on your part. It’s why Compounding Interest is considered by some as the 8th wonder of the world.

Every single day you take to decide is an average loss of around $255.44.

Realistic and Achievable

Someone silly reading this might be outraged by this point. The idea that you’re working so hard when there seems to be a fairly simplistic way to change your life. That this may be a scam, or a lie, or its playing on your fears and dreams.

Or... You might have a cool head.

Maybe this biased, Commission-grubbing Financial Consultant - who can do a little math instead of vague promises ---[might be onto something].

Good. Let’s proceed with caution.

According to Merriman Inc, as of the end of 2010, this was how these portfolios performed and their corresponding statistics*:

1) Where returns are recorded as Annualized. Basically, it is compounding and not simple interest (although it's mostly just price appreciation)

2) Where SD (Standard Deviation) is noted as the high fluctuations in either direction that is taken to achieve said returns. In English - the higher than SD, the more risk the portfolio is perceived to have and the more risk you take as an investor.

SNP500: 10% Annualized, 15.7% SD [Gross of Fees and Risks]

The SNP500 Index measures the stocks of 500 of the largest publicly traded U.S. companies ranging from Microsoft, personal favorites, Coca-Cola and McDonalds, are also somewhere in the mix.

Some investors will invest in an ETF (exchange traded fund) or Index Fund that will allow them to mimic investing in these companies, subject to fees and risks.

SNP500 with 40% Bond Mix : 9.4% Annualized, 11.9% SD [Gross of Fees and Risks]

Barclays Capital Aggregate Bond Index comprises about $15 trillion worth of bonds and includes the entire space of domestic, investment-grade, fixed-income securities traded in the United States.


By spreading out your investment in a 60 - 40 ratio between Stocks (SNP500) and Bonds (Barclays Index), your return is slightly reduced from 10% to 9.4%. However, your risk level drops significantly more, from 15.7% to 11.9%. High-return focused investors like myself may not necessarily perceive this as a good thing, but a lower risk movement matters when you want to sell your investment and realize your profits. That is partly why many older people enjoy capital preservation products as well.

This is the SNP500 as of July 14, from the beginning of the year.


This is an actively managed fund with historical


This, on the other hand, is a fund that has less volatility and higher returns than the SNP500. You’ll notice that for the exact same time period, it has achieved higher returns than the SNP500. These returns are net of management fees. It is a professionally managed fund amongst hundreds that are potential options for you, which I sift out as part of my job.

While Returns and Standard Deviation can change over time, a co

If you are uncomfortable investing on your own, I do this as part of my job and give you value through my consultation and selection process, while you can still potentially get similar or higher returns than what is necessary to change your life.

In Summary

1) Putting off investing $1000/mth for 10 years can cost you over $7600 a month in opportunity cost. On the flip side, holding that kind of investment for another 20 years will result in a projected yield of over $1.13 million dollars.

2) Research and statistics has shown this is achievable through DIY methods. You can also choose to modify your portfolio to get lower risks for slightly lower return.

3) If you would like a specialist to help you with the process of achieving your investments returns, so that you may use the money to fund your life goals - I would love to help.


Through a consultation with me I will take you through:

a) Investments that could help you achieve similar returns with less risk, or higher returns than the SNP500 (net of fees)

b) The extent of the risks you have to be prepared to take in order to achieve such results in clear detail

c) My role as a consultant throughout your journey in order to ensure that there are no nasty surprises in between.

Money Maverick

Disclaimer: Investments carry risk and are non guaranteed. Past performance does not equate to future performance. You should always seek out your Financial Consultant before making any long term commitments. All figures shown above are for illustration purposes only.

1) Merriman Inc. Studies, A History of Data [1970 to 2010] - from Financial Fitness Forever, 5 Steps to More Money, Less Risk and More Peace of Mind

2) Investment Linked Policy Sub Funds, Manulife -

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