Sarah starts investing in an individual retirement account (IRA) at the age of 30 and earns 10 percent for 35 years. At age 65, she will get less returns as compared to those returns if she: A B E invests up to the age of 60. starts investing at the age of 25. invests at 12 percent. earns 10 percent for 5 years and then 12 percent for 30 years. invests for 45 years. 22