New Delhi, July 1 -- Delaying your SIP by a few years may not feel like a big decision at first, but it can make a huge difference to the wealth you build by retirement. The longer you wait to start investing, the less time your money gets to benefit from the power of compounding.

For mutual fund investors, time is one of the biggest advantages. Starting early allows your money to stay invested for longer, giving it more time to grow and generate additional returns. Over the long term, even a modest monthly SIP can grow into a sizeable retirement corpus simply because it had more years to compound.

But how much difference can starting early actually make? To understand this better, let's compare how much wealth an investor could accumul...