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.
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.
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Free financial resources to help you
Our experts have put together a range of free resources to help you learn how to accumulate wealth in your 30s and beyond.
Are your finances in shape?
The investment world can be complex at times, so it’s advised to plan out your personal finances before investing. This could include setting up an emergency fund, paying off debts, or starting a pension. Our free financial health checklist includes:
- How to think about your financial plan
- Guidance around wills, insurance, and tax
- How to invest safely
- Protecting against fraud
Financial Health checklist
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Am I saving enough for retirement?
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.
First-time investors
Figuring out how to start investing might seem daunting, but it doesn’t have to be. Our helpful guides and videos seek to answer your questions to help you on your way to building wealth.
How can we help you create a secure financial future?
Sometimes all you need to get your financial goals on track is a step in a right direction. Our range of services and accounts can help you save money more effectively in your 30s.
OneStep Financial Coaching
Gain clarity around your money situation with Financial Coaching. Speak to a real, qualified expert free of charge, who will help you take the next steps with confidence.
- You’ll speak to a financial coach who has experience dealing with personal finance, investing, retirement and tax questions.
- Your financial coach will provide useful resources to help you on your way. If you need additional support, we'll recommend the best service to suit your needs.
- Your first 15 minutes is free, after which you can choose to book a 1-hour coaching session to delve deeper into your financial situation (£150 incl. VAT).
Find out more
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Stocks & Shares ISA
Make your savings work harder with our flexible ISA
- You can shelter up to £20,000 each tax year.
- No capital gains tax on profits.
- No tax on dividends from shares or the income earned on bonds.
- An ISA is in your name only.
- If you’re looking to invest tax efficiently and want flexibility to access your money when you need it.
Find out more
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Invest
Investment Services
We provide a wide range of investment services suited to your different needs, offering flexibility and choice so you can be involved as much or as little as you like with your investments.
- We offer several professionally managed investment services, from Bespoke Discretionary to Advisory Dealing
- We offer a number of do-it-yourself investing options, whether you prefer to manage this online or over the phone.
Find out more
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Request a call back
Get a better understanding of your current situation and the options available to you, take advantage of a free consultation with a financial expert.
0207 739 8200 (Open Mon-Fri, 9am-5pm)