Skip to main content

What Is The Best Age to Start Investing?

When it comes to investing one of the most common questions new investors ask is when’s the best age to start?  The good news is there is no perfect age to start. The best time to start investing is right now, as soon as you discover the world of growing your wealth.


person looking at diagrams
Start investing is as soon as you can! 

Investing is for All Ages

You can start investing at any age, but your investment strategy might look different depending on where you are in your life. Here is a brief summary: 

  • Investing in your 20s: With a long time before retirement, you can be aggressive in your investment strategy and take risks. 
  • Investing in your 30s: You can estimate around 30 years until retirement, so you should start paying attention to your retirement goals, but you still have time to take risks. 
  • Investing in your 40s: Now it’s a good idea to get serious about building wealth for retirement. 
  • Investing in your 50s: When approaching your retirement years, it’s best to adopt a more conservative investment strategy. 

Invest As Soon As You Can 

The best time to put your money in the stock market is right now, or as soon as you’re financially ready. The earlier you start investing, the sooner your money can start compounding.  

Compounding is the process of an asset’s earnings, from either capital gains or interest, being reinvested to generate additional earnings over time. This growth occurs because the investment will generate earnings from both its initial principal and the accumulated earnings from preceding periods. 

This is why the more time you have to leave your investments to grow, the more money you’ll have in the long run. So, in theory its best to start investing as soon as you’re able in your early twenties. But if you’re older that’s okay too, simply start now. 

If You’re a Young Investor

When you’re young and just starting out, you have more time to adjust your investment strategy. That means you have the flexibility to explore investment options that might be less predictable, with more ups and downs. 

Investments like these can sometimes yield higher returns if the investment swings in your favour. For example, buying and selling stocks can be a smart investment strategy for a younger investor. Beginning this at a younger age means you have more time to recover from swings in the stock market. 

person investing for retirement
Investing for retirement is important at any age. 

If You’re Middle-Aged 

If you’re an investor approaching middle age, you might want a mix of investments. Choose some that let you take some risks, while keeping other parts of your investment portfolio on more solid footing. 

There is no single correct way to invest. Instead, you should create an investment strategy that suits your unique goals. 

This is why it’s important to learn as much as you can about investing so you can feel confident about your choices. 

If You’re a Mature Investor

If you’re a more mature investor, you might want to pull back from more volatile types of investments. Instead, you should opt in favour of more conservative investment strategies. This is because older investors are typically trying to save for retirement. So, you want those funds to be protected as you near the age when you’ll need to depend them for living expenses. 

Start Investing Today 

It’s never too late to start investing. Whether you want to grow your wealth, or simply save for retirement, now is the time to take the plunge and start. 

For help getting started with your investments contact our team of experts here at Count today. 

Start with Count today

Signing up for Count is easy. We think once you experience truly stress-free financial processes, you won’t want to go back.