Introducing investing through the ages – in your thirties

By the time you have reached your thirties, you will probably have started to establish yourself in your career and looking at settling down. Perhaps you will already have a home of your own and someone to share it with.

Of course, the responsibilities of a mortgage and a family can mean that money is short – which is why making the most of your money is more important than ever.

The traditional answer – putting money into a savings account – now means very poor returns. In fact, inflation may mean that your saved cash actually reduces in value.

That can mean that it is time to start making the most of investing – and successful investment always means planning.

In this series of articles we are looking at what successful investment planning means for different age groups.

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Saving no longer looks a rewarding way to grow your money – making it all the more important that you understand investment. To find out more with a free initial consultation, contact us now.

Your priorities in your thirties

With a mortgage and perhaps a family to pay for, spare cash will be in short supply, but accumulating wealth for the future should still be a priority.

Of course, you will have responsibilities. Life insurance will be a must and paying off debts may have to come first. But remember that time is money, and the sooner you start making your money work for you, the easier it could be to start building up the kind of wealth you want for the future.

Even relatively small amounts can build into much larger sums with the right investments.

Investing can be simple

You don’t have to be an investment expert to succeed at investing. You can simply speak to one of our expert team.

Find an investment objective with aims that match your own and leave it to them. You can even save on a regular monthly basis – you don’t need to find a big lump sum to get started.

If you’ve started a family, and are getting used to responsibilities, you don’t want to worry about your investments as well. You might feel more comfortable moving some of your money into safe assets, as part of a diversified portfolio.

A Stocks and Shares ISA which allows £20,000 a year in tax-free savings (as per tax year 2020/2021) could be the ideal place to start. Making high growth a priority could still be appropriate, but you may want to think about putting some of your wealth into funds which have less risk.

Remember your pension?

If you are in your thirties, you should certainly have your pension saving underway. Retirement could be thirty years or more in the future, but the fact is that the sooner you start, the easier it is to save the money you need for the kind of retirement you want.

Remember, a pension is an investment, and thanks to the very attractive tax relief provided by the government, it can easily be the most rewarding investment you ever make. The taxman’s contribution means that every pound you put into your pension has already grown, even before years of compound interest and skilled investment make it more rewarding still.

Joining a company pension scheme where your employer will pay in with you is a sound move – but if you are likely to change employers a few time over the years, or want to work for yourself, a personal pension to work alongside your employer’s plan may be a good idea too.

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Whatever your age, successful investments need to be planned around you and your financial circumstances. To start getting a clearer idea of the possibilities call us now.

What should you do?

Our infographic on the different ages of investment here shows how your needs and solutions may change through life and we are looking at each stage in more detail in these articles. But remember, whatever your age, at Continuum, we can work with you on a personal basis to help you find solutions for your investments or pension, with a plan designed to help you create the future you want.


The information contained in this article is based on the opinion of Continuum and does not constitute financial advice or a recommendation to suitable investment strategy, you should seek independent financial advice before embarking on any course of action.

The value of investments can fall as well as rise and you may get back less than you invested.

Equity investments do not afford the same capital security as deposit accounts.

Your home may be repossessed if you do not keep up repayments on your mortgage

The Financial Conduct Authority does not regulate taxation advice.

A pension is a long term investment. The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Pension income could also be affected by interest rates at the time benefits are taken.

The tax treatment of pensions in general and tax implications of pension withdrawals will be based on individual circumstances, tax legislation and regulation, which are subject to change in the future.


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