My grandma put £500 into premium bonds every birthday for me until I was 16. I turned 16 with around £9,600 with the winnings all re-invested. I’m so grateful for her, it’s one of the lessons that taught me how to save and encouraged me to keep saving towards a house deposit myself. However, if she had understood investing and invested the money instead at a 10% return, it would have been around £18,300 when I turned 16. If I didn’t touch it until today it would be worth around £57,500. The same commitment from her but a completely different end result. That right there is why I’m so focused on learning how to invest efficiently and also investing for my kids when I have them. You leave so much money on the table by not investing, especially using an ISA.

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My granny went to hug me this evening without asking. Safe to say she won’t be doing that again, dirty aul nonce.

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