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Investing in Tomorrow: Unlocking the Power of Time and Compound Interest

Friends drinking coffee

To grow and compound

Many of us have heard the proverb ‘The best time to plant a tree is 20 years ago. The second best time is now.’ 

Did you know if you invested £100 per month into a pension or stocks and shares ISA for 40 years, from the age of 25 to 65, at an average return of 6%, you would end up with £196,000. If you started at age 35, only 10 years later, you would end up with £100,000. Roughly half.

The simple fact is the monies invested between 25-35 have so much longer to grow and compound, giving such a different outcome.


Younger people, who are generally able to save less, often feel the amounts they are able to save each month towards a retirement goal so far away are making little difference. In fact, they are probably the most important contributions they will make.

Pension age

People in their 30s and 40s are often worried they have left it too late, especially if they have little existing provision. Daunting as it is, at the age of 30, you still have 38 years to go until state pension age (under current rules.) There can be lots of demands on cashflow during this period. Many LGBT+ people are now getting married, having children, buying properties together etc, and this can often lead to feeling that saving is something they will hold off for a few more years. Even modest amounts can make a huge long-term difference.

Pension scheme

Often, when clients have joined a company and their pension scheme, they have ticked a box for which fund to be invested in and never given it another thought. It’s so frustrating when we come to review a client’s fund after 10, 20 even 30 years to find they have been invested in a poorly performing or inappropriately risk-profiled fund which has left them far worse off than they would have been had it been regularly reviewed. When was the last time you checked yours?


Evolution Financial Services

Ready to take your next step?

Matt Campbell is a qualified Independent Financial Adviser (DipFA, CeMap). He operates via Evolution Financial Services. Matt is based at Fleet St, London but works with clients across the country. For advice on pensions, investments, mortgages*, protection or estate

planning needs, please click the link or see contact details

below to get in touch with Matt.


*A mortgage will be secured against your home. Evolution Financial Services is a trading name of Evolution FS Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). Registered Number 597303.

Lizzy Kurtzer

Not quite sure where to start? 

Realise your aspirations and goals through coaching.

Lizzy Kurtzer is a certified (IFC Accreditation, Animas Centre for Coaching) life coach. She'll help you to explore and identify your goals, and empower you to achieve them through ongoing or one-off mentorship

and coaching.


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