Delaying your investments is never a good idea. When you put off getting started on your investment journey even by a few years, you run the risk of getting weaker returns and benefits that are much lower. Your risk appetite may also become more conservative as you age, so your preference for certain investment options like equity also change correspondingly. You become less open to the idea of investing in such aggressive options, which, in turn, can further lower the possible maturity benefits you could enjoy.
This is why it�s advisable to invest in savings plans and ULIPs at an early age, so you can give your money ample time to multiply.