July 13, 2025
Why You Should Start Investing Today, Not Tomorrow
Procrastination is the enemy of wealth. We explore the incredible cost of waiting to invest and why even one year can make a massive difference to your financial future.
"I'll start investing when..."
...I have more money.
...I know more about the market.
...I get a promotion.
Sound familiar? Procrastination is the biggest and most expensive mistake in personal finance. The perfect time to start investing is always **right now**. Every day you wait is a day your money isn't working for you.
This guide will show you the real cost of waiting and why Elivo is being built to make "starting today" as easy as buying a coffee.
The High Cost of "Later"
The secret ingredient to building wealth isn't a high salary or risky stock picksāit's **time**. Thanks to compound interest, your money earns returns, and then those returns start earning their own returns. It's a snowball effect.
The longer your money has to grow, the bigger that snowball gets. Delaying by even a few years can mean tens or even hundreds of thousands of euros less in retirement.
Let's Look at an Example
Imagine two friends, Alex and Ben. Both invest ā¬100 per month and earn an average 8% annual return.
Alex starts at age 20.
Invests for 40 years.
- ~ā¬349,100
- Total contribution: ā¬48,000
Ben starts at age 30.
Invests for 30 years.
- ~ā¬149,035
- Total contribution: ā¬36,000
By waiting just 10 years, Ben ends up with less than half of what Alex has, even though he only contributed ā¬12,000 less.
The Barriers That Make Us Wait
If starting early is so important, why do so many people put it off? Usually for a few key reasons:
- Fear of Complexity: Traditional platforms are confusing and intimidating.
- Feeling You Don't Have Enough Money: The myth that you need a lot of cash to begin.
- Analysis Paralysis: Too many choices, too much information, and a fear of making the wrong move.
Elivo: Designed to Break Down the Barriers
We are building Elivo specifically to solve these problems and make it incredibly easy to start *today*.
- No More Complexity: Our app is simple and intuitive. We guide you through every step.
- Start with Spare Change: With round-ups, you'll be investing without even noticing. No need to save up a large sum.
- No More Paralysis: We build a diversified portfolio for you. The 'what to buy' question is answered from day one.
Stop thinking of investing as a future event. Think of it as a small, simple action you can take right now. The sooner you start, the more time you give your money to grow. Your future self will thank you.
Ready to Make It Simple?
Elivo is being built to do all the heavy lifting for you. Stop worrying about the 'how' and start building your future. Join the waitlist and be the first to experience investing, simplified.