PILLAR TWO · THE RECEIPTS
ISAs &
Investing
Your money working quietly in the background while you get on with your life. No finance degree required. Just clear, qualified education on building real wealth - one receipt at a time.
✦ The difference between a Cash ISA and Stocks & Shares ISA - and which one is right for you
✦ How index funds work and why they're the quiet backbone of most serious portfolios
✦ What compound interest actually means in real numbers - not theory
✦ Your £20,000 annual ISA allowance - what it is, how to use it, what happens when you don't
✦ How to start investing with as little as £25 a month - no lump sum needed
The stock market has historically returned
an average of 7% per year.
Your current account is returning
approximately nothing.
That gap - between where your money is and where it could be - is what this pillar is about. Not get rich quick. Not day trading. Just the quiet, boring, brilliant business of letting your money grow while you sleep.
THE RECEIPTS
Three receipts you need to see right now
RECEIPT 01 - THE ISA GAP
Cash ISA vs
Stocks & Shares ISA
£10k Cash ISA 4% 20 years £21,911
£10k S&S ISA 7% 20 years £38,697
The gap £16,786
RECEIPT 02 - STARTING EARLY
The cost of
waiting 10 years
£100/month from age 25 7% £121,000
£100/month from age 35 7% £52,000
The gap £69,000
RECEIPT 03 - THE ISA ALLOWANCE
Your annual
£20,000 allowance
Annual ISA allowance £20,000
Tax on growth inside ISA £0
Annual allowance you can carry forward £0
Articles
Time in the market beats timing the market.
Every single time.
The best time to start was yesterday.
The second best time is right now.
That's not just a quote - it's what the data says. And the data doesn't lie. 🖤
New to investing?
Start with the basics before diving into the numbers. Our beginners guide walks you through everything you need to know before you open your first ISA - no jargon, no overwhelm, just the receipts.
KEEP EXPLORING
Ready for the next receipt?
THE WEEKLY RECEIPT