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Why Your Savings Rate Matters More Than Returns

I came across this excellent article recently, which reinforced the thoughts I have expressed in previous blogs.

To save you some time, here is the summary:

• On your wealth creation journey, the first $100,000 often takes the longest to accumulate. Each subsequent $100,000 takes less and less time to accumulate.

• The amount you save matters more than your investment returns in the early years.

Your responsibility is to focus on what you can control.

This means focusing on:

– increasing your income, – keeping your lifestyle expenses under control, – minimising investment fees; and – maintaining an asset allocation that aligns with your financial goals.

If you hope to achieve financial independence early in life, you will be better off focusing on these variables you can control rather than chasing investment returns, which are largely out of your control.

If you are like many of our young medical and dental clients, who want some assistance on this wealth creation journey, please reach out via We assist our clients with setting up simple but effective strategies and savings plan.

You can read the full article HERE.

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