Procrastination is the root of all evil,&rdquo; this is a very big statement to make, but as financial advisors and planners, we see firsthand what the actual cost of waiting can be. I often hear people tell me they do not need to start saving for their retirement yet, as they are years away from it. This is a very common way of thinking in South Africa, and I want to explain, through an example, the real cost&nbsp;of waiting.Imagine buying your first house and shortly after moving in, discovering a barely noticeable,small leak in the spare bathroom under the sink. It is very easy to ignore the issue, as this is nothing more than a small irritation in your life. After a few years, your levies have increased, your kids are ready for school, and Eskom has again increased electricity costs, resulting in your expenses taking up most of your budget. The small leak has grown into a good-sized crack in your wall, and a mild case of damp is setting in. Being the proud homeowner you are, you decide to investigate the cost of repair. The cost of repair is now significantly higher, as the problem was left to escalate. If the problem was dealt with in the early days, the cost of repairing it would have been significantly lower.The same logic applies to your savings, which I will again try and explain through an example. For the sake of simplicity, assume an 8% average return on investment, and that contributions never increase. Jason, aged 20, wants to retire at age 60. He has been advised to put away R1 500pm for the remaining 40 years, and on his 60th birthday, he would have accumulated a tidy R5 236 511.Ruan, who is also 20, and has the same goal of retiring at 60, decides to wait until he feels more secure financially. At age 30, Ruan begins planning his retirement. In order to catch up on the 10 years he missed out on, he decides to put away double the amount every month. At age 60, Ruan would have contributed R36 000 per year for 30 years, totalling R1 080 000, with a closing balance of R4 471 078. Comparing this to Jason&rsquo;s savings of R18 000 per year for 40 years, gives a total of R720 000. Jason contributes 33% less than Ruan, for a return roughly 17% greater.The reason for such a large gap is because, at the end of year 10, Jason&rsquo;s accumulated funds were sitting at R274 419. The interest he would have earned the following month would have been R1 829.46 [(R274 419 x 8%) divided by 12 months]. When we consider that Jason is still contributing R1 500pm, he is at this point getting a higher cash injection into his investment on a monthly basis than Ruan, even though Ruan is contributing R3 000pm. This is the power of compound interest, and it&rsquo;s only when we look at a real example like the above that we can see what implications &ldquo;waiting&rdquo; can result in.When you plan to save for retirement, or a holiday house, or a new car, clearly define your goals, and what the desired financial needs may be. Then work backwards to establish what is required of you on a monthly basis to achieve the goal. Only then you will be able to see what is actually financially achievable. These numbers will very seldom lineup, but it is very much worth your effort to begin with something small rather than nothing at all.My advice would be to speak to an accredited financial advisor, and put your goals down on paper. Alternatively, email me on travis.vanzijl@liblink.co.za

The Real Cost Of Waiting 

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{{magzter}} is the World's largest and fastest growing self-service, cross-platform digital newsstand with over 87 million users since its inception in 2011 and thousands of magazines and newspapers across 40+ categories and 60+ languages. Headquartered in New York, Magzter has its local presence in Amsterdam, London, Mexico City, Chennai, Mumbai, New Delhi, Bengaluru, Singapore, and will soon be expanding to other countries. Founded by global entrepreneurs, Girish Ramdas and Vijay Radhakrishnan in June 2011, Magzter enables magazine and newspaper publishers around the world to create and deliver digital editions of their titles to global consumers.