“Persons who are born too soon or born too late seldom achieve the eminence of those who are born at the right time.” – Katharine Anthony

What is it like to be a late achiever in this context? First, we define a late achiever as one who has attained stable financial status at a more mature age; usually above 35-45. You are very knowledgeable, having used your waiting time to build your intellect on investment or wealth growth. These are what it means for your attitude towards investing:

Risk Adverse

Margin for error is significantly lower because you do not have the privilege of time to recoup losses as much as young investors. The solution to this is to select the most fail proof investment option so as to minimize risk. Money doesn’t grow on trees. Usually, the fastest way to get richer is the most dangerous one. One suggestion is to grow your wealth slowly through income investing.

I’m not a seminar junkie!

Attending multiple investment seminars and not taking any evaluative action will just make you a seminar junkie. Select the best investment programme. Compare cost price and market price. If former is lower than latter, it is value for money.

Needless to say, notice the coach’s personality and the programme details. Is the coach approachable and helpful? Will he/she upsell along the way, especially when you have yet to build your portfolio via the suggested strategies? Most importantly, will he/she be there for you when you meet with challenges?

No Try, Do or Do Not

You have no time to waste. The benefits of being a late achiever is that you have larger capital. It means larger buying power. Be careful as larger capital does not equate to larger returns. Set desired ROIs, track your Profits and Losses, and keep a watchful eye on your spending. Ensure that you save > 50% as buffer. Evaluate, fund account and start small to learn step by step. Being slow means steady returns and minimal risk.


You had sown your seeds in early adulthood, and the harvest you reaped are ready for investment usage. Just maintain a careful yet positive attitude towards your desired investment strategies. Once you get your investments sorted out, you will retire early.


Jade Lee is the Chief Editor of Giants Learning Technologies. Her life purpose is to help; thus committing to youths like herself through articles regarding early financial planning. Jade graduated from Ngee Ann Polytechnic where she attained a Diploma with Merit in Early Childhood Education, having dedicated three years in understanding preschool children. Under a scholarship, she reads Bachelor of Arts in Psychology from Nanyang Technological University. Jade is also a commercial model and engages in Hip-Hop dance. Find out more about her insights via jade@theageofgiants.net


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