Smart money moves for young adults who have better things to do.

By Stuart Welch.

You have one financial advantage that no one else has. Don't waste it.

Time. That’s it. That’s the whole secret. Not income, not inheritance, not a degree in economics. Just time — and the decision to use it.
If you invest £200 a month from the age of 25, you could have over half a million pounds by the time you retire. Start the same habit at 35 and that figure roughly halves. The difference isn’t discipline, or luck, or knowing the right people. It’s a decade.
Simple Investing for People in Their Twenties exists because that decade is right now — and because nobody sat you down and explained what to do with it. This book does exactly that. No jargon, no complexity for its own sake, and no assumption that you have a lot of money to start with. Just everything you actually need to know, explained clearly, so you can get on with the rest of your life.

This book is for you if…

  • You're in your twenties and aware you should be doing something with your money — but you're not sure what
  • You've heard about ISAs, pensions and index funds but the whole thing feels complicated
  • You have student debt and you're wondering whether investing even makes sense yet
  • You're on a low or irregular income and think you need to earn more before you can start
  • You want to build long-term wealth without it taking over your life
You don’t need to be earning a lot. You don’t need to find it interesting. You just need to start — and this book will show you exactly how.
£200 a month from age 25 = £525,000 by retirement.
Start at 35 instead and the same habit produces £243,000.
Starting a decade earlier roughly doubles the outcome. The difference is this book.

What this book covers

  • How compound interest actually works — with numbers specific enough to make you act
  • The accounts available to you: workplace pension, Stocks and Shares ISA, Lifetime ISA, SIPP — what each one does and which to prioritise
  • What to invest in — stocks, bonds, index funds, ETFs explained without the jargon
  • The behaviours that make or break investors, and how to automate your way past all of them
  • Real situations you're actually in: student debt, low income, irregular income, big life events
  • How to build your first portfolio and what to do — and not do — once it's running
About the author

Stuart Welch spent twenty-five years working inside the financial services industry — long enough to understand exactly why it feels so impenetrable from the outside. He has watched the industry consistently fail younger investors by burying simple concepts in unnecessary complexity.

Simple Investing for People in Their Twenties is the book he wishes had existed at the start of those thirty years. It is written for the reader who has better things to do than become a financial expert — but who understands that the decisions made in their twenties will shape everything that follows.

“The decisions you make in your twenties will shape everything that follows. This book makes those decisions straightforward.”
— Simple Investing for People in Their Twenties
What’s inside
Eighteen chapters across six parts — built to take you from zero to invested, then from invested to confident.
Introduction
Why your twenties are the most important decade of your financial life
Part One: The Foundations
  • 1. What is investing and why should you bother?
  • 2. The difference between saving and investing
  • 3. Understanding risk without being scared of it
  • 4. Time is your greatest asset
Part Two: The Accounts
  • 4. The Workplace Pension
  • 5. The Stocks and Shares ISA
  • 6. The Lifetime ISA and the SIPP
Part Three: What to Invest In
  • 7. Stocks, Bonds, and Everything Else
  • 8. The Case for Index Funds
  • 9. ETFs vs Mutual Funds
Part Four: The Behaviours That Make or Break You
  • 10. The Biggest Mistakes Twenty-Somethings Make
  • 11. The Psychology of Money and Markets
  • 12. Automating Your Way to Wealth
Part Five: Real-Life Situations in Your Twenties
  • 13. Investing With Student Loan Debt
  • 14. Investing on a Low or Irregular Income
  • 15. Big Life Events and Your Investments
Part Six: Building the Habit for Life
  • 16. Your First Investment Portfolio
  • 17. Staying the Course
  • 18. What Comes Next — A Bridge to Your Thirties
What readers say
Sarah
London
“This book made complex ideas incredibly easy to understand. I found myself going back to certain chapters more than once.”
Sarah
London
“This book made complex ideas incredibly easy to understand. I found myself going back to certain chapters more than once.”
Sarah
London
“This book made complex ideas incredibly easy to understand. I found myself going back to certain chapters more than once.”
Ready to start?
Simple Investing for People in Their Twenties is available now on Amazon.
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