Time waits for no one...

The Cost of Delay in Investing: You Can't Buy Time

As expats living in the Middle East, many of us benefit from tax-free salaries, which provides a unique opportunity to build long-term wealth. However, a common pitfall I often see is delaying investment decisions — and that delay can be costly.

Why Time Matters More Than Timing

In investing, time is one of the most valuable assets. The longer your money is invested, the more time it has to benefit from compound growth. The power of compounding means your investments generate earnings, which then generate their own earnings over time. Delaying by even a few years can dramatically reduce your long-term wealth potential.

An Example to Consider:

• Person A starts investing $1,000 monthly at age 30 and continues until retirement at 60. Assuming a 7% annual return, their portfolio would grow to approximately $1.2 million.
• Person B starts investing the same amount but delays until age 40. Despite contributing the same monthly amount, their portfolio would only reach around $600,000 by age 60.

The difference? Time in the market.

A Tax-Free Salary — A Unique Advantage

Expats in the Middle East have the added benefit of earning tax-free salaries, which means more disposable income. Yet many choose to keep savings in cash or low-interest accounts rather than actively investing. While cash might feel “safe,” inflation gradually erodes its value.

The Hidden Risk of Delaying:

• Missed compound growth.
• Reduced retirement savings.
• Limited ability to leverage tax-efficient structures.

You Can't Buy Time Back

Unlike income, bonuses, or even property, time is the one asset we can’t recover. The best time to invest was yesterday. The next best time? Today.

Here at Skybound Wealth Management , we have the knowledge, skill and products at hand to give you a personalised plan that will help you achieve the retirement you deserve.

If you're unsure where to start or want to explore how to make your tax-free income work harder for you, let’s connect. I specialise in helping expats make smart financial decisions. either message me directly or email me [email protected]

PS: The real me in the middle wishes he was as young as the first picture and didn't have the aches that the third picture probably has!