Here's some useful information to share with younger family members about why saving early can make such a big difference.
The chart tells a remarkable story.
Investor 1 saves $5,000 annually for just 10 years, starting at age 25. Total invested: $50,000.
Investor 2 waits until age 35 but contributes $5,000 annually for 30 years. Total invested: $150,000.
Assuming an 8% annual return, by age 65:
Investor 1: $787,180
Investor 2: $611,730
Despite investing $100,000 less, Investor 1 finishes with $175,450 more!
Think Further
The secret is compound growth—earning returns not only on your savings but also on previous investment gains.
The takeaway: When it comes to building wealth, time can be more valuable than the amount invested. Start early, stay invested and let compounding work for you.
Source: St. Louis Fed (as attributed).
Disclaimer: Illustrative example only. An 8% annual return is not guaranteed. Actual investment returns will vary.
The table below reflects trend signals published by Hedgeye Risk Management as of November 6 , 2026.
These signals are one input among many considered by our investment team and may not align with positioning in any client portfolio. Individual securities and commodities referenced may not be suitable for any particular investor. Clients should not act on this information without consulting their portfolio manager.
Tactical Trend Changes📈
Technical trends are analytical observations and do not guarantee future results
10 Year Treasuries………………….Bullish to Bearish
30 Year Treasuries………………….Bullish to Bearish
Investment Grade Corp Bonds…..Bullish to Bearish
High Yield Bonds……………………Bullish to Bearish
Bullish: a view that the price of a security or market may rise, subject to significant uncertainty and risk of loss. Bearish: a view that the price may fall, subject to significant uncertainty and risk of loss. Neutral: a view that the price may remain relatively stable. These terms reflect third-party and/or general market views and are not recommendations or predictions.
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