The Most Expensive Investment Decision is Starting Too Late

Most people focus on finding the perfect investment. But one factor quietly outweighs almost every

other choice: when you start.

This post compares three investors in Qatar—Maryam, Hamad, and Abdullah—who all invest the same

amount, QAR 1,000 per month, at the same yearly return of 7 percent, until age 65. The only difference

between them is the age they begin.

Maryam starts at 25 and ends with roughly QAR 2.62 million.

Hamad starts at 35 and finishes with about QAR 1.22 million.

Abdullah, beginning at 45, reaches around QAR 520 thousand.

These numbers show how earlier contributions have more years to compound, creating a wide gap in

long-term outcomes even though each person invests identically every month.

For investors in Qatar, this reinforces a key principle: time in the market matters more than timing the

market.

Whether someone prefers QSE-listed companies, sukuk, index funds, or other long-term instruments,

the compounding effect remains the same.

The takeaway is straightforward. Starting earlier allows your money to work longer, reducing the

pressure to invest larger amounts later in life.

It is not about predicting markets or chasing returns—it is about giving your investments enough time to

grow.

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