sure, I should have said ‘inadvertent’ market timing. I’m not sure if you can convince every 20-something to set up a pillar 3 when s/he starts earning. They then wake up in their late 30’s (like some people I know … ehem’me) only to realize they can buy their 3a back. If that happens in market downturn, putting money in 3a at market low buys more.
But indeed, this is not a strategy i’d recommend (time in the market vs timin’ the market). Now … go convince every 20yrs old around you of this perennial truth…
For 20yo it might make sense anyway to delay because people tend to increase income fairly quickly when getting started (so they’ll save more on taxes by contributing later) 
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