Accumulation stage: 30 to 40

Build on your foundation

Even when day-to-day life is really busy, it’s important to keep your financial future in focus with things like pension planning and making the most of other tax-efficient investments.

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This is your life

In your 30s you might be thinking about settling down, buying a home and starting a family. Alongside progressing in your career, you’ve probably got a bit more disposable income too. Financial planning through this stage in life can help you build security for the future.

Career building

As you progress in your career and become more experienced, there’s a chance to build on your knowledge and professional development. You’ll probably have more financial responsibilities too.

Settling down

Getting married or deciding to settle down with your partner is a big life event. It’s also an opportunity to think about your finances and goals as you get a bit more settled.

Moving home

You could be ready to build equity by upsizing your home as your family grows. It’s likely to be your biggest investment and an opportunity to accumulate wealth.

Disposable income

Your 30s bring some financial confidence with disposable income to spend on entertainment and travel. This is also the stage where you could use some of that extra cash to invest for the long term.

Latest insights

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How much can you contribute to a pension?
By Rob Morgan
Spokesperson & Chief Analyst
23 May 2022 | 7 min read
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Spokesperson & Chief Analyst
27 Apr 2022 | 7 min read
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When should you consider consolidating your pensions?
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Ways to accumulate

Smart ways to handle your money in your 30s include building your pension and using your annual allowances to invest in tax-efficient vehicles like ISAs.

Pension Savings Plan

Will I have enough for the retirement I want?

When it comes to planning your retirement, you can’t afford to leave anything to chance. We’ll help you take control, so you have financial security and flexibility over when and how you retire.

Financial Planning Service

A carefully designed financial plan can give you the freedom to do even more of the things you want to do and maybe even things you never thought possible.

  • We'll create a financial plan that matches your individual needs and objectives.
  • We can help you become more tax-efficient with your savings with our range of planning tools and techniques.
  • Professional expertise on hand to organise your investments to ensure you are comfortable with your financial decisions.
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