{"id":3755,"date":"2026-05-19T15:51:20","date_gmt":"2026-05-19T19:51:20","guid":{"rendered":"https:\/\/advisor.wellington-altus.ca\/evansfamilywealth\/?p=3755"},"modified":"2026-05-21T16:20:02","modified_gmt":"2026-05-21T20:20:02","slug":"time-matters-investing","status":"publish","type":"post","link":"https:\/\/advisor.wellington-altus.ca\/evansfamilywealth\/time-matters-investing\/","title":{"rendered":"Good News! The Most Powerful Investment Advantage is Free"},"content":{"rendered":"

Why Time in Investing Matters More Than Most People Think<\/strong><\/span><\/h2>\n

A few days ago, my 26-year-old son sent me a text. He’d hit an investment milestone, a big one, the kind that takes years of discipline to reach, the kind that makes you feel like you’re on top of the world. At the end of the message, he wrote:<\/p>\n

“Feels like a pretty big benchmark\/milestone and I definitely wouldn’t have gotten here without all your help pops so thank you very much…”<\/em><\/p><\/blockquote>\n

I read it twice. Then I sat with it for a while. Because the truth is, I didn’t do much. I took him to work one day in grade eight.<\/p>\n

\"Glen's<\/p>\n

The Millionaire Lesson from a Grade Eight Spreadsheet<\/strong><\/span><\/h2>\n

You may remember “Take Your Kid to Work Day.” I did it with each of my kids. The exercise was always the same. I’d ask them, “Would you like to be a millionaire someday?” They’d nod, the way kids do when an adult asks a dumb question.<\/p>\n

Then we’d open a spreadsheet, type in whatever they had saved\u2014a few hundred dollars from birthdays, a paper route, babysitting. We’d plug in a modest rate of return and stretch the timeline out across decades. Together, we’d watch the line bend upward, slowly at first, then steeply, until it crossed seven figures somewhere in their 40s or 50s. Their eyes would always get bigger as they began to internalize the message\u2014they could choose to build wealth. What they saw would have something that looked like this chart, not a financial plan, just a growth chart\u2014now you know why their eyes were as big as saucers:<\/p>\n

\"Chart<\/p>\n

How Compounding Changes Wealth Over Time<\/span><\/h2>\n

Then we’d start changing things. What if the rate is 8% instead of 6%? What if it’s 10%? What if you add a little each month? The line would shift dramatically\u2014and they’d see that the latest years did the heaviest lifting and that if they started early enough, the numbers never stopped climbing. Most of the money showed up at the very end.<\/p>\n

That was the whole lesson:\u00a0building wealth is a choice<\/strong>.<\/p>\n

This table expresses the same point but illustrates it with the growth of $1 dollar invested. It shows that $1 dollar invested at age 20 grows to over $36 dollars at age 65. That same dollar invested at 50 only grows to $3.31. Time is everything.<\/p>\n

\"Table<\/p>\n

Why Investors Focus Too Much on Returns<\/strong><\/span><\/h2>\n

There’s an equation that quietly governs every investment account, every retirement plan, every dollar set aside for a child. Here’s what it looks like:<\/p>\n

\"Formula<\/p>\n

R is your rate of return. N is the number of years. Most people, when they think about investing, obsess over R. They chase it. They switch funds, time markets, hunt for the hot stock, fret over a percentage point here or there. But R doesn’t have the leverage you think it does. N does.<\/p>\n

Double your time horizon and you don’t double your wealth\u2014you send it somewhere your intuition can’t follow. The biggest gains in a portfolio’s life don’t show up in the early years, or even the middle ones. They arrive at the end, when decades of compounding finally meet a number large enough to make a difference.<\/p>\n

What Germany’s Savings Culture Gets Wrong<\/span><\/h2>\n

This week I saw a chart that stopped me. Germany, the economic engine of Europe, ranks thirteenth out of nineteen European countries in median household net wealth, despite having one of the highest GDPs on the continent. Below Greece. Below Slovenia. Less than a fifth of Luxembourg.<\/p>\n

\"Infographic<\/p>\n

Source<\/a><\/p>\n

How? Germans earn well. They save diligently, but they don’t invest. They rent instead of own. They keep cash in savings accounts paying nothing. They buy elaborate insurance products that protect them from risks they’ll never face. They optimize for not losing\u2014and in doing so, they guarantee the very outcome they’re trying to avoid: a lifetime of work that doesn’t compound into what it could.<\/p>\n

Spaniards do better. Italians do better. Even the Slovenians do better, because they own homes and hold equities and let N do its work.<\/p>\n

Germany is a wealthy country full of people who never gave time and risk-taking a chance to be on their side.<\/p>\n

Why Retirement Doesn’t End the Power of Compounding<\/strong><\/span><\/h2>\n

Here is the line I want every client to hear, especially the ones closest to retirement: time is not something you run out of at 65.<\/p>\n

The average 65-year-old today has roughly 20 to 25 years ahead. Twenty years is a long stretch of N. And remember, the biggest gains of a portfolio’s life usually arrive in the last decade, not the first. Someone who pulls everything into cash on their retirement date and parks it there is walking away from the part of the chart where the line goes nearly vertical.<\/p>\n

The Real Risk of Becoming Too Conservative<\/span><\/h2>\n

This is why we push back, gently but firmly, when a new retiree tells us they want to “go conservative now.” Conservative is a word that sounds prudent and is often the opposite.<\/p>\n

The Simple Deal Between Investors and Portfolio Managers<\/strong><\/span><\/h2>\n

Here is the deal we make with every client, stated as plainly as we know how:<\/p>\n

You give us N. We work on R.<\/strong><\/p>\n

Your job is to start, and then refuse to stop. Stay invested. Don’t flinch in March of 2020 or October of 2008 or whatever year the next one turns out to be. Add when you can. Let the years do what only years can do.<\/p>\n

Our job is to make every one of those years count. Build portfolios that compound. Stay disciplined when it’s tempting not to be. Keep the costs down, the strategy clear, and the temperament steady. We have spent decades doing this work, and we will spend the rest of our careers doing it.<\/p>\n

That’s the trade. You give us N. Leave the R to us.<\/p>\n

We have a track record of success. Here is a snapshot of our discretionary portfolio performance as of April 30, 2026:<\/p>\n

\"Advisor<\/p>\n

Past performance is not indicative of future returns. Full performance disclosures and methodology are available at\u00a0evansfamilywealth.com<\/a>.<\/p>\n

Why Starting Early Changes Everything<\/strong><\/span><\/h2>\n

My son didn’t get to that milestone because of anything clever I did with his portfolio. At thirteen, a spreadsheet created a vision in his mind, crystallizing the idea that time, not money, was the true asset.<\/p>\n

He started young. He kept going. He let N do what N does.<\/p>\n

That’s the muscle. That’s the discipline. And that, more than any individual investment decision, is the legacy I want to leave\u2014to my kids, and to every client who has ever trusted me with the question of what to do with their next dollar.<\/p>\n

So here’s the favour. If this idea that time is the part most people sleep through landed for you, send this note to someone. A brother or sister. A child. A grandchild. A niece, a nephew, a godson. Someone who may be wondering whether to start now or wait until they “have more to invest.”<\/p>\n

The answer is now. Whether you’re 16 or 65. The answer is always now. The arithmetic only works one way.<\/p>\n

You don’t have to be brilliant. You don’t have to time anything. You just have to start, and then refuse to stop.<\/p>\n

 <\/p>\n

Time is everything.<\/p>\n

 <\/p>\n

Let it run, let us help.<\/p>\n

 <\/p>\n

Glen<\/p>\n","protected":false},"excerpt":{"rendered":"

Time in investing shapes long-term wealth more than most investors realize. This article explores compounding, retirement, and why starting early matters.<\/p>\n","protected":false},"author":219,"featured_media":3777,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"2normal","footnotes":""},"categories":[93],"tags":[402,405,20],"class_list":["post-3755","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-insights-news","tag-investor-behaviour","tag-personal-finance","tag-wealth-management"],"yoast_head":"\nWhy Time Matters More Than Investment Returns - Evans Family Wealth<\/title>\n<meta name=\"description\" content=\"Time in investing is one of the most powerful drivers of long-term wealth. 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