Get time on your side

Why the saying, 'It's time in the market, not timing the market that counts'? It's because the longer your money is invested, the better chance you have of reaching your goals. Time not only increases your chance of earning high returns, it protects your investment against volatile markets.

Time can help you reach your goals

Time to grow	Time to recover	Time to add

Time to grow means time to benefit from the power of compound interest. Compound interest is calculated not only on your intial investment (your principal), but on your previously accumulated interest. So the longer you are invested, the more you benefit from compound interest. It's a great way to grow your investment and achieve your goals.

Why you should start as soon as you can.

Investments such as shares that produce the best return over the long term often have the greatest risk of losing money over the short-term. These day-to-day price fluctuations are called volatility. By investing for the long term, you can smooth out volatility.

Work with risk.

With time on your side, you don't have to wait to get started. There will be plenty of opportunities to top up your initial outlay. You can start with as little as $2,000 and commit to a monthly contribution of as little as $100 a month. Sound achievable? For most people, this is a great way to get into the investment market.

Tell me more BT's regular contribution options.

Find out more about investment

Download a copy of Investing Truths (PDF, 279 KB).
Find a financial adviser using BT's Adviser Referral Program.
Learn about BT's Investment funds.