When is a good time to start investing?

When is a good time to start investing?

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Waiting for the ‘right’ time to finally take the plunge into investing? You might be barking up the wrong tree. Stop procrastinating and start investing as soon as you can.


Why is it important to invest early?
With investing, time is literally on your side so the more of it you give yourself, the better off you could be. The earlier you start, the sooner your money could begin benefiting from the power of compound returns – where you earn returns on your returns. Let’s say you invest £100 and receive a hypothetical return of 10% every year. In year one, you would make a gain of £10. But, in year two, you would make a gain of £11. How come? You’ve earned a return not only on your initial £100 deposit, but also on the £10 you earned in year one. Over many years, this can quickly add up, so the earlier you start this process, the better. Look what can happen when you procrastinate:

Both Zoe and Ben decide to invest £100 per month in a Stocks & Shares ISA. Zoe starts doing so on her 25th birthday, but Ben prefers to wait until he’s 30. At the age of 60, Zoe could end up with £86,503 and Ben could get £63,764 – that’s a £22,000 difference*.

By delaying your investing adventure you’re waving goodbye to potentially more money to fund your future goals, so it’s important to make the most of the present.

* These are projected values for an investment plan with a Confident Style (Medium Risk Plan) and they are correct as 12/03/19. Figures used are only forecasts and are not reliable indicators of future results.


Remain invested over the long-term
Entering the investing world early is key, but what you do afterwards counts too. And a good way to take advantage of compound returns is to remain invested for a number of years. Many investors will try to predict when it’s best to be invested and when they should sell their investments to minimise losses – this is known as market timing. In practice, it’s almost impossible to successfully predict where financial markets are heading next, so avoid such challenges and simply think long-term. All financial markets experience bumps over the short-term. This can be stressful, but instead of reacting to every single sneeze, try to stay calm, focus on your long-term goals, and consider investing regularly so you can take advantage of lower-priced investments when the time comes.


Please remember the value of your investments can go down as well as up, and you could get back less than invested.


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Including you.

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Wealthify Customer Reviews

4.33 Average

339 Reviews


Staff is very friendly and quick to respond to any questions that I had. Everything is extremely transparent with emails when they are making drastic changes in the investment plan and as for performance, they did really put my money to work hard with good investment choices and a truly diversified portfolio.

Posted 4 days ago


Lovely customer service, decent returns, easy account to open and close. Overall very satisfied!

Posted 5 days ago

Jim Corley

Wealthify customer service is absolutely superb, it really cannot be faulted. I have had several queries which were answered, and where needed, actions taken within a few minutes of my call to them. 10/10. With regard to investment performance, overall it has been slightly above the performance of my other investment pots, despite me making my original deposits when global markets were significantly higher than they are now. If they can stay on course, 16% in a year, given all the fiscal uncertainty, is superb.

Posted 5 days ago

Hugo Scheiff

Wealthify has been a solid investment platform for me in the last year. Global markets have been a bit shaky but they have managed to keep some fairly consistent returns and stability for my portfolio. Above everything else though is the customer service. It is truly excellent and always done with a friendly attitude and every question I have had has been resolved straight away. Worth sticking with them for the customer service alone!

Posted 1 week ago


Wealthify have delivered excellent customer service for me when I needed some help transferring my general investment account to an ISA plan. I've also opened 2 Junior ISAs because I think its important to start investing for my children early. I really like the way their communications are really clear and informative. I've not had any problems as yet. I'm expecting my money to go down a bit as we are facing issues with uncertainty around Brexit etc... but investing is something I am hoping to do for a long time and I hope that this is something I will reap the benefits of especially for my children.

Posted 2 months ago


Excellent Service

Posted 2 months ago

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