Plan now, retire early

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Amundi Singapore Limited
Company Registration No.: 198900774E

Summary

Financial Independence, retire early by saving in your 20s

Dreaming of retiring before 60, before 50 or even earlier? You are not alone. Many people in their 20s are rethinking “retirement” and aiming to achieve financial independence well before the traditional pension age.

The good news is, starting in your 20s gives your savings more time to grow.

Here’s how to plan early, invest wisely and set yourself up for a future you control.

What does ‘early retirement’ really mean?

Our research shows that one in three investors globally plan to retire before the age of 60¹. But early retirement doesn’t have to mean stopping work completely. You may want to work, but on your own terms such as, part-time, taking on enjoyable projects or having long breaks without worrying about bills.

A consistent saver with a clear plan can reach financial independence 10–15 years before someone who waits.

Movements like FIRE (Financial Independence, Retire Early) are growing in popularity, as they show that early retirement is about financial flexibility and choice.

Many believe that they should begin today, stay steady, and buy their future self-time – the most valuable asset of all.

Why start in your 20s?

The biggest advantage you have in your 20s is time. Every euro you invest has decades to grow and could be worth much more by the time you’re 50, thanks to investment growth and compound interest – that’s growth on your growth.

Starting earlier could give you greater control over your retirement later.

Setting realistic retirement goals

✔ What could early retirement look like for you?
✔ What age would you want to reach financial freedom?
✔ How much annual income would cover the lifestyle you want?
✔ How much can you realistically save each month?
✔ What goals do you have between now and your retirement?

You can use retirement calculators to estimate your ‘financial independence number’ – the amount of savings and investments you’d need for your lifestyle – and how much to save, and for how long, to get there.

Where to invest for early retirement?

It’s best to choose investments you’re comfortable with. Lower-risk investments generally come with lower growth, but higher-growth investments bring higher risk.
It could make sense to focus on a diversified* mix of investments that could grow over the decades – like these:

Workplace and private pensions: take advantage of tax relief and employer pension contributions.

Tax-efficient ISAs (Individual Savings Accounts): benefit from tax savings and the ability to access your savings before the official retirement age.

Index funds or ETFs: Simple, low-cost ways to invest. You can find out more here.

Practical steps to get started

✔ Create a monthly budget that prioritises saving and investing. You can find out more about budgeting here.
✔ Pay off high-interest debt – one of the biggest drags on building wealth.
✔ Consider automating your savings so you never miss a payment.
✔ Increase your contributions as your income grows, a 2–4% annual increase in your savings will quickly compound.

Common obstacles and how to overcome them

Difficulty staying consistent

Set-up automatic payments so you don’t need to worry about making or forgetting to make the payments.

Market ups and downs

Don’t listen to the ‘noise’. Staying invested over the long run, rather than trying to time the market, is what typically matters.

Lifestyle inflation

As your income goes up, upgrade your investments, not your wardrobe or car — small boosts to contributions add up over time.

Wondering where to go for help?

You have the choice when it comes to the “where”. Our range of funds are available from your local bank, broker or financial advisor.


Contact your local broker	Contact your local bank	Contact your financial advisor

Discover more

Discover more throughout our website or consult your local advisor.

¹Decoding digital investment survey
*Diversification does not guarantee a profit or protect against a loss.

Unless otherwise stated, all information contained in this document is from Amundi Asset Management S.A.S. and is as of 25 February 2026. Diversification does not guarantee a profit or protect against a loss. The views expressed regarding market and economic trends are those of the author and not necessarily Amundi Asset Management S.A.S. and are subject to change at any time based on market and other conditions, and there can be no assurance that countries, markets or sectors will perform as expected. These views should not be relied upon as investment advice, a security recommendation, or as an indication of trading for any Amundi product. This material does not constitute an offer or solicitation to buy or sell any security, fund units or services. Investment involves risks, including market, political, liquidity and currency risks. Past performance is not a guarantee or indicative of future results.

Date of first use: 25 February 2026

Doc ID: 5144059

Amundi Singapore Limited Company Registration No.: 198900774E This advertisement or publication has not been reviewed by the Monetary Authority of Singapore