Let's Play a Numbers Game

When it comes to investing, there’s a lot of information floating around about what to expect. We’re told to be patient, to be cautious, to diversify our shares. And then there’s the starting point. When should we dive in?

In the past few years there’s been a push of information comparing investing in our 20s vs investing in our 30s. Investopedia gives us some incredible information on investing for retirement and notes the benefits of compound interest and earning back over time.

In another study, investors who saved for ten years and then stopped investing received a much higher return than those who waited ten years to save, even when they continued to save for 20 years after the initial investment. If leading financial resources are discussing the importance of investing two to three decades into our lives, imagine if we started from birth?

When started early, our investments have more time to grow. The sooner we begin, the more time we have to establish roots, returns, and stability. The general consensus is that the sooner you begin, the greater the reward when it comes time to withdrawal. Whether it’s for your child’s college fund or their retirement, there’s no such thing as starting too soon. You might have heard the old proverb: “The best time to plant a tree is twenty years ago. The second-best time is today.”

At Onu, we’ve created a platform where you can start a young one off right and help prepare for costs covering education, retirement, healthcare (?) and beyond. With compound interest your money grows even when you stop adding to it. And the earlier you start, the better. Why get them onesies they’ll outgrow in weeks when you can grow their savings and secure them a brighter, more stable future?