Saturday, 30 May 2026
Investing
Beginner investing explained simply — index funds, compound interest and how to start with small amounts.
5 articles
isas
Any UK resident aged 18 or over can open a stocks and shares ISA, students included. It lets you invest tax-free, but the value can fall as well as rise, so it suits money you won't need for several years rather than next term's rent.
tax
From 6 April 2026, the tax on dividends rose by two percentage points — the basic rate went from 8.75% to 10.75% and the higher rate from 33.75% to 35.75%. It only affects dividends held outside an ISA, making the ISA wrapper more valuable.
investing
You don't need a lump sum or deep knowledge to start investing — many platforms let you begin with £25-50 a month. The key is starting early, keeping costs low with a diversified fund, and leaving the money alone for the long term.
investing
Compound interest means you earn interest not just on your original money but on the interest it's already earned. Over years it snowballs, which is why starting young is so powerful — time matters more than the amount you start with.
investing
Saving means putting money somewhere safe where it won't fall in value — ideal for short-term goals and emergencies. Investing means buying assets that can grow over time but can also drop in value, suited to long-term goals. Most people need both.