There are two friends, A and B. Both are 25 years old and are planning for their retirement in 40 years. A plans to invest ₹10,000 per annum for the next 10 years and stop thereafter.

However, this money will continue to stay invested for the balance period of 30 years till his retirement.

B does not plan to save immediately. He plans to start saving ₹10,000 per annum after 20 years and continue to do that for the next 20 years till his retirement.

Who will be richer on retirement?

What are your learnings from here?