“10岁开始存养老钱最划算”引争议，当事教授回应

Core Viewpoint - The core viewpoint of the article emphasizes the importance of "time leverage" in retirement planning, suggesting that starting to save for retirement at a young age significantly enhances the benefits of compound interest [2][4]. Summary by Sections - Retirement Planning Insights - Professor Yan Zhipeng highlights that the earlier one starts saving for retirement, the more substantial the compounding effect will be, with examples illustrating the financial outcomes based on different starting ages and investment durations [2]. - A hypothetical scenario is presented where an annual investment of 10,000 starting at age 10, with an 8% annual return, could yield 3.44 million by age 65, compared to 2.93 million if started at age 16 and only 2.8 million if started at age 25 [2]. - Market Reaction - The examples provided in the article sparked discussions online, with some netizens questioning the practicality of starting retirement savings at age 10 and the assumed 8% return rate [4]. - Professor Yan Zhipeng clarified that his statements were misinterpreted due to selective quoting in some online discussions, indicating a need for clearer communication of his ideas [4][5].