Money Lesson Single

Start investing early

A 30-year-old on £45,000 puts every spare pound into a stocks and shares ISA. How far does three decades of compounding actually get them?

Appreciating Asset Earned Income Tax Efficient Retirement Planning
Employment ISA
Investing from 30
2 Goals

Salary, a workplace pension, and everything spare into a stocks and shares ISA.

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Employment
Leaving it in cash
2 Goals

The same salary and workplace pension, but every spare pound stays in the bank instead of being invested.

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Investing from 30 compared with Leaving it in cash

Investing your surplus leaves you ~£3m wealthier over a working life than leaving it in cash.

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