A 10-year delay in starting investments can significantly reduce a retirement corpus by limiting the power of compounding. Anand Rathi Wealth Executive Director Subhendu Harichandan said investing ₹5,000 a month from age 25, increasing the amount by 10% annually and earning 13% returns, could grow to ₹9.4 crore by age 60. Starting at 35 yields only about ₹2.2 crore.