Retirement can feel far away, and that’s normal. The good news is small steps now - like boosting contributions or making tax-efficient choices can add up over time. Starting today gives you more choice and confidence for the future.
Research shows that people in their 20s are much more interested in saving and investing earlier than previous generations1. Many people are facing the fact the state pension won’t be enough for a comfortable retirement, so starting early is a smart move2.
At the same time we know it can be hard to find the extra money to put away each month on a starting salary, So, let’s break down how early retirement planning can be simple and very doable.
Starting early is likely to give you:
For example:
Quick tip💡
✔ Time in the market matters more than timing the market. Start small and stay consistent.
The below chart shows the value at age 65 of 100 euro invested per month at 5% growth return starting at different ages – see how compound interest can work harder the earlier you begin.
The answer is always today! Even small amounts, help build good financial habits Think of it as a workout for your savings.
You can always increase your contributions as your income grows, but starting early means you benefit from compounding growth.
You don’t need to be a financial expert to get started. Focus on long-term investments but keep a cash cushion available. If unsure, speak to a trusted financial advisor.
Here are a few options to plan your retirement:
Quick tip💡
✔ Make saving and investing effortless with automatic monthly contributions.
Planning your retirement in your 20s doesn’t have to mean giving up your lifestyle. Start small, stick to the plan and let time and investment growth work for you. With a bit of know-how, some sound advice and careful planning, you can work toward a retirement that’s aligned with your goals.
You have the choice when it comes to the “where”. Our range of funds are available from your local bank, broker or financial advisor.
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Discover more throughout our website or consult your local advisor.
Unless otherwise stated, all information contained in this document is from Amundi Asset Management S.A.S. and is as of 19 January 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: 19 January 2026
Doc ID: 5031242
Amundi Singapore Limited Company Registration No.: 198900774E This advertisement or publication has not been reviewed by the Monetary Authority of Singapore