Start Early: Why Retirement Planning in Your 30s (or Earlier) Is a Smart Move

One of the most common regrets we hear at Arthika Capital is: “I should’ve started saving for retirement sooner.” If you're in your 20s, 30s, or 40s, the good news is—you still have time to avoid that regret.

Too many people wait until their 50s to begin retirement planning, but starting early is the key to financial freedom and peace of mind. Whether you're looking to build long-term wealth or diversify your portfolio with alternative investments like life settlement funds, taking action now can make all the difference.

Why You Should Start Retirement Planning Early

The earlier you begin saving and investing, the more you benefit from compound interest—where your investments generate returns not just on your contributions, but also on previous earnings. That compounding effect is one of the most powerful tools in wealth-building.

Consider this:

• Investing $500 per month starting at age 30 (with a 6% average annual return) could grow to over $500,000 by age 65.

• Starting the same plan at 50 would yield just around $120,000 by retirement.

By starting early, you can:

• Make smaller, more manageable contributions over time

• Take advantage of long-term market growth

• Better withstand short-term market volatility

• Reduce pressure as retirement approaches

If you're serious about achieving financial independence, don’t wait until you're 50 to start building your retirement nest egg.

Diversify with Life Settlement Investment Funds

As part of a strong retirement plan, it's important to look beyond traditional assets like stocks and bonds. That’s where life settlement investment funds come in—a smart and often overlooked alternative investment strategy.

What is a life settlement fund?

A life settlement involves purchasing life insurance policies from individuals who no longer need them. The fund becomes the beneficiary and continues paying premiums until the policy matures. When it does, the fund collects the death benefit, generating returns for investors.

Why invest in life settlement funds?

• Non-market correlated: These investments are not tied to the ups and downs of the stock market, which helps balance risk.

• Steady returns: Life settlement funds have historically provided consistent and competitive returns over the long term.

• Low volatility: Returns are based on actuarial science and policy terms, not stock prices or interest rates.

Adding life settlements to your portfolio can help you build a more resilient retirement strategy, especially during uncertain economic periods.

Retirement Planning Doesn’t Have to Be Complicated

Getting started with retirement investing is easier than you think. Begin by setting clear goals, creating a budget, and exploring diversified strategies that fit your risk tolerance and timeline. Consider working with a trusted financial advisor to identify the right balance of traditional and alternative investments, including life settlement funds.

At Arthika Capital, we help clients:

• Start saving early for retirement

• Explore high-potential alternative investments

• Build diversified portfolios designed to last

Take the First Step Toward a Better Retirement

The best time to start saving for retirement was yesterday. The second-best time? Today. Don’t wait until you’re nearing retirement age to start thinking about your future.

Whether you're just beginning your financial journey or looking to refine your retirement strategy, Arthika Capital is here to help. Contact our team to learn more about how life settlement investments and early retirement planning can put you on a stronger path toward long-term financial security.