Investir selon ses objectifs

Starting late but starting strong

Why starting later can be your unexpected strength.

woman smiling

Is now the right time to start? Yes.

Starting your investment journey feels daunting when you think you're behind schedule. But what you might not realise is that your current position may actually give you unique advantages in building long-term wealth.

Discover the specific strengths you've already built over the years, how to leverage your current resources effectively, and why your timing might be better than you think.

Are you ready to turn your life experience into a potentially powerful investment advantage?

You’re in a potentially good position

Your later start brings with it a foundation of stability and resources that other investors might lack. Consider these advantages that come with experience:

  • Higher earning potential and disposable income
  • Clearer understanding of your long-term goals
  • More career stability to make confident financial decisions
  • Better emotional maturity to handle market volatility

  • Established emergency funds and safety nets

     

These elements can potentially create a robust platform for making informed investment decisions.

man drinking a cup of coffee and looking at the window

It's not too late for potential compound growth

Compound growth remains a powerful force regardless of when you start.

Each euro invested potentially generates returns, which in turn generate their own returns, creating an exponential growth curve.

The power of compound growth lies in the relationship between three key variables:

  • Time available
  • Contribution amount
  • And rate of return

When starting later in life, higher contributions may potentially help address a shorter timeline. Capital is at risk when investing. A financial advisor can help you determine the appropriate balance between potential returns and risk for your situation.

You can see clearly

middle age woman

Years of managing your finances have given you a clearer picture of your needs and goals:

  

  • Make investment decisions based on established life goals
  • Align investment strategy with known priorities

  • Better understand your risk tolerance through life experience

     

This clarity helps you focus on what genuinely matters so you can make investment decisions that align with your actual goals.

You’re emotionally mature

Investment success relies as much on emotional control as on market knowledge:

 

  • You've been building this strength for years.
  • You've lived through economic cycles and understand that downturns are temporary.
  • You've developed patience through career and personal challenges.
  • You know your stress responses in difficult situations.

  • You know when emotions might cloud your judgment.

      

This emotional foundation helps you stay steady while others react to market noise. 

man at work smiling

Right on time to reach your goals

Your investment journey benefits from your accumulated wisdom and resources. While you can't change when you started, you can leverage your unique advantages:

  • Higher contribution capacity
  • Emotional maturity in decision-making
  • Clear understanding of your goals
  • Established financial foundation

The next step is yours to take.

Unless otherwise stated, all information contained in this document is from Amundi Asset Management S.A.S. and is as of 20 January 2025. Diversification does not guarantee a profit or protect against a loss. The views expressed regarding market and economic trends are those of the author and not necessarily Amundi Asset Management S.A.S. and are subject to change at any time based on market and other conditions, and there can be no assurance that countries, markets or sectors will perform as expected. These views should not be relied upon as investment advice, a security recommendation, or as an indication of trading for any Amundi product. This material does not constitute an offer or solicitation to buy or sell any security, fund units or services. Investment involves risks, including market, political, liquidity and currency risks. Past performance is not a guarantee or indicative of future results.

Date of first use: 20 January 2025

Doc ID: 4064148

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