Gibson

This week, I was reviewing the plan for a new couple in their 30s. The projections looked incredible – almost too good. I double-checked the numbers, confirmed the assumptions, and ran the calculations again.

Everything checked out.

Then it clicked: at just 36, they were 10–15 years younger than many of my typical clients. That extra decade of compounding completely changed the outcome.

Here’s what I mean:

💡 Invest £20,000 a year at a 7% return.

🟢 Start at 40 → £1.58 million by age 65

🟢 Start at 50 → £630,000 by age 65

That’s not luck or better returns – it’s simply time doing the heavy lifting.

The Compounding Effect: Small Steps, Big Results

Compounding is when your investment returns start earning returns of their own – like a snowball rolling downhill, gathering more snow with every turn.

Most of my clients start in their late 40s or 50s. Their snowball is rolling, but it’s already partway down the hill. For clients in their 30s or early 40s, the hill is much longer – and the difference that extra time makes is extraordinary.

Building a Freedom Fund

For younger investors, this isn’t just about saving for retirement – it’s about building what I call a Freedom Fund: a pool of wealth that creates options.

▶️ The option to retire early

▶️The option to travel or take a sabbatical

▶️The option to pursue a passion project – without financial pressure

And you don’t need to give up your lifestyle today to make it happen…

Small, consistent contributions, combined with time and discipline, create life-changing results.

Start today. Your future self will thank you.