Vous rêvez de partir à la retraite avant 60 ans, avant 50 ans, ou même plus tôt ? Vous n’êtes pas seul. De plus en plus de personnes dans la vingtaine repensent leur conception de retraite et visent l’indépendance financière bien avant l’âge habituel de départ.
La bonne nouvelle, commencer dans la vingtaine laisse plus de temps à votre épargne pour fructifier.
Voici comment vous y prendre pour planifier dès maintenant, investir, et bâtir un avenir à votre image.
Nos recherches montrent qu’un investisseur sur trois dans le monde prévoit de prendre sa retraite avant 60 ans¹. Mais partir plus tôt ne veut pas dire arrêter de travailler pour de bon. Vous pouvez aussi choisir de travailler selon vos envies : à temps partiel, sur des projets stimulants ou en profitant de longues pauses, sans avoir à vous soucier des factures.
A consistent saver with a clear plan can reach financial independence 10–15 years before someone who waits.
Movements like FIRE (Financial Independence, Retire Early) are growing in popularity, as they show that early retirement is about financial flexibility and choice.
Many believe that they should begin today, stay steady, and buy their future self-time – the most valuable asset of all.
The biggest advantage you have in your 20s is time. Every euro you invest has decades to grow and could be worth much more by the time you’re 50, thanks to investment growth and compound interest – that’s growth on your growth.
Starting earlier could give you greater control over your retirement later.
✔ What could early retirement look like for you?
✔ What age would you want to reach financial freedom?
✔ How much annual income would cover the lifestyle you want?
✔ How much can you realistically save each month?
✔ What goals do you have between now and your retirement?
You can use retirement calculators to estimate your ‘financial independence number’ – the amount of savings and investments you’d need for your lifestyle – and how much to save, and for how long, to get there.
It’s best to choose investments you’re comfortable with. Lower-risk investments generally come with lower growth, but higher-growth investments bring higher risk.
It could make sense to focus on a diversified* mix of investments that could grow over the decades – like these:
Workplace and private pensions: take advantage of tax relief and employer pension contributions.
Tax-efficient ISAs (Individual Savings Accounts): benefit from tax savings and the ability to access your savings before the official retirement age.
Index funds or ETFs: Simple, low-cost ways to invest. You can find out more here.
✔ Create a monthly budget that prioritises saving and investing. You can find out more about budgeting here.
✔ Pay off high-interest debt – one of the biggest drags on building wealth.
✔ Consider automating your savings so you never miss a payment.
✔ Increase your contributions as your income grows, a 2–4% annual increase in your savings will quickly compound.
You have the choice when it comes to the “where”. Our range of funds are available from your local bank, broker or financial advisor.
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Discover more throughout our website or consult your local advisor.
1 Decoding digital investment survey
*Diversification does not guarantee a profit or protect against a loss.
Unless otherwise stated, all information contained in this document is from Amundi Asset Management S.A.S. and is as of 25 February 2026. Diversification does not guarantee a profit or protect against a loss. The views expressed regarding market and economic trends are those of the author and not necessarily Amundi Asset Management S.A.S. and are subject to change at any time based on market and other conditions, and there can be no assurance that countries, markets or sectors will perform as expected. These views should not be relied upon as investment advice, a security recommendation, or as an indication of trading for any Amundi product. This material does not constitute an offer or solicitation to buy or sell any security, fund units or services. Investment involves risks, including market, political, liquidity and currency risks. Past performance is not a guarantee or indicative of future results.
Date of first use: 25 February 2026
Doc ID: 5144059