How to invest at any age

Author

George Beecroft
June 06, 2025

👋 Hey guys - Noah here,

There are tons of myths out there about investing. Believe it or not, you don’t have to be rich and you don’t even have to be over 18 to start!

🎯 The Biggest Lie About Investing

"You need thousands to start investing."

Absolute rubbish. You can literally start with £1. ONE POUND.

Actually, the longer you wait, the more it costs you. Let me show you why being young is your secret weapon.

⏰ Time Is Your Superpower

The maths that'll melt your brain:

Start at 18 with £50/month:

  • By 65, you'll have £465,000

Start at 28 with £50/month:

  • By 65, you'll have £200,000

That 10-year delay? It cost you £265,000. Quarter of a million pounds!

💷 How to Start With Pocket Money

Under 18? Start with a Junior ISA:

  • Parents/grandparents can open one for you

  • Invest up to £9,000/year tax-free

  • Can't touch it until 18

  • Turns into adult ISA automatically

If you’re 18+, you can:

  • Open a Stocks & Shares ISA: £20,000/year tax-free

  • Start from £1 with most brokers

  • Set up £25/month auto-invest (less than Netflix + Spotify)

📱 Where to Actually Start

For beginners:

  • Vanguard: Simple, cheap, reliable

  • InvestEngine: Low fees and DIY platform

  • Moneybox: Rounds up your spending

For under 18s:

  • Hargreaves Lansdown Junior ISA

  • Vanguard Junior ISA

  • Fidelity Junior ISA

The golden rule: Low fees = more money for you. Aim for under 0.5% yearly fees.

🧠 What to Actually Invest In

Keep it simple:

  • Global index fund (owns a bit of everything)

  • Or pick a robo-advisor and let them decide

  • Avoid individual stocks until you know more

🚫 The Excuses That Keep You Poor

"I'll start when I earn more" → You'll never earn "enough"

"The market might crash" → It's crashed before and recovered every time

"I don't understand it" → You don't have to be a professional

"I might need the money" → That's what emergency funds are for.

💪 The Truth Nobody Tells You

Rich people aren't rich because they invest. They invest because they want to stay rich.

You don't need to be rich to invest. You need to invest to build wealth.

The difference? Starting today, with whatever you've got.

Even if it's just £1.

But where do you find that £25/month to invest? That's where Snoop comes in. It tracks all your spending and shows you exactly where your money's going. Most people find £50-100/month they didn't know they were wasting. That could be your investing money right there.

Get Snoop for free here - find the money, then invest it.

Let me know when you make your first investment!

All the best, Noah