Top of main content

Five reasons to start saving for retirement early

You'll be in a position to do the things you don't have time for now – whether that's a new hobby, a round-the-world trip or spending more time with friends and family. No matter what your goal, there are plenty of reasons to start planning for retirement now.

Five reasons to start saving for retirement early

Saving for 30 years instead of 10 means you can put away less money each month and reach the same target. It'll also mean you have cash left over to spend on yourself in the meantime.

If you start saving today, you'll earn more because interest payments build up – every interest payment you receive starts earning corresponding interest itself right away.

Create a retirement wealth management plan today and you can start looking forward to a more comfortable retirement. You'll feel more confident about life after work knowing things are taken care of from a financial perspective. 

If you manage your wealth and retirement planning wisely, you might find you're ready to retire younger than you'd imagined. Give yourself more time for the things you've always dreamed of doing.

It's normally the case that you have more disposable income from your twenties into your early forties. Later in life you may find that you have more responsibilities – children's education and mortgage payments, for example – and find it harder to put money into your retirement fund every month. Start early while you have extra funds.

Saving for 30 years instead of 10 means you can put away less money each month and reach the same target. It'll also mean you have cash left over to spend on yourself in the meantime.

If you start saving today, you'll earn more because interest payments build up – every interest payment you receive starts earning corresponding interest itself right away.

Create a retirement wealth management plan today and you can start looking forward to a more comfortable retirement. You'll feel more confident about life after work knowing things are taken care of from a financial perspective. 

If you manage your wealth and retirement planning wisely, you might find you're ready to retire younger than you'd imagined. Give yourself more time for the things you've always dreamed of doing.

It's normally the case that you have more disposable income from your twenties into your early forties. Later in life you may find that you have more responsibilities – children's education and mortgage payments, for example – and find it harder to put money into your retirement fund every month. Start early while you have extra funds.

More products and information

Global experts' advice to help you capture global investment opportunities and mitigate investment risks to meet your diversified investment and wealth management needs. Our investment products include: Structured productsDual Currency Investment and Enhanced Yield InvestmentOverseas Investment Plan, and Local Unit Trust and Hong Kong Mutual Recognition of Funds.

We take into account your protection needs at various life stages to help you find out suitable insurance plans, leveraging on our ability to offer a one-stop platform for your insurance needs.

You could check our insurance partner policies including Travel insuranceHealth insurance, and Life insurance, and our Online service.

In today’s fast-paced financial world, the only way to stay ahead is to be on top of current market events. Tap into our unique market insights and investment analysis to stay informed about the latest trends and regional news with just a few clicks.

Get personalised advice

Get personalised advice

Make an appointment

By phone

 For general inquiry (RBWM only)

400-820-3090

Please dial China country code +86 if you are calling from overseas

Get personalised advice

Frequently asked questions

Although the above information is carefully written, the Bank does not warrant, state or guarantee the accuracy or completeness of the above information. The above information is not and should not be regarded as an offer or purchase invitation for any financial product, nor should it be viewed as an investment proposal.