Investments are like wines in a cellar- they get better the longer they’re taken care of. There are chances and stories where one gets lucky by his/her investment and their capitals are returned in a short span of time. But you see, these are chances- and a good investment does not rely on chance, but on facts. Do not wait ten or twenty years before your retirement to start saving and investing. Just like wine, it will taste a whole lot better if you start early.