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The earlier you start, the better! At the beginning of your career, when your salary is still low, a small monthly savings amount (20, 50 or 100 euros) is sufficient, which you can increase later. The earlier you start saving for your old age, the more the compound interest effect will work. This means that the more your saved amount grows, the more interest, dividends or price gains (in the case of funds) you receive.
For example, if you invest 100 euros a month from the age of 25 until the age of 65 with an annual return of 5 percent, you would have saved assets of around 149,000 euros at the age of 65. With a savings rate of 150 euros, this would be 223,000 euros.
Learning financial topics and understand how it actually impacts you personally can be daunting, but our mobile app makes it easier to understand a variety of effects such as interest rates, inflation and taxation on your long-term savings.
Download our app and start gaining insight into your current and future finances.
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