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

Five finance goals for your 30s
By Rob Morgan
Spokesperson & Chief Analyst
29 Aug 2023 | 8 min read

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

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.

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).
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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.
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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.

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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.

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