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.


Investing is for everyone.
Including you.

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Wealthify Customer Reviews

4.34 Average

341 Reviews


Amazing customer service, had a few issues regarding withdrawals which were my fault. Highly recommend.

Posted 1 week ago


One of my work colleagues put me onto Wealthify. It is simple, easy to use and the communication about your portfolio and re balancing is excellent. I am hooked. I have set up a monthly DD and transfer spare cash no matter how small to build the portfolio. I am maxed on ISA contributions elsewhere so am using it just for supplemental trades.

Posted 2 weeks ago

Jonah C

I'm huge on personal finance, investing and saving. And, for me, Wealthify has allowed me to set up my investment fund, make use of my ISA allowance and make contributions / investments on auto-pilot. I knew that investing into Stocks, Shares, Bonds, Property and so on were all great, long term things to do, but Wealthify has made it easy and dummy-proof... I love it already!

Posted 1 month ago

Chris L

I have found it extremely easy to set up and monitor my ISA. There is plenty of information about stock movements being made on my behalf and it feels like a very personal service being offered by this young company.

Posted 1 month ago


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 2 months ago


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

Posted 2 months ago

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