Why is Consistency Important when Saving?
At Corcillium Wealth Management, we often say that successful investing isn’t about timing the market—it’s about time in the market. The earlier and more consistently you save, the more you benefit from the power of compounding.
Let’s put this into some numbers and look at what happens if you commit to saving £250 each month and invest it with different rates of growth:
Scenario 1: A Conservative 2% Return
With a cautious approach—maybe in a savings account or low-risk bonds—your money still benefits from compounding.
- After 10 years: £33,000
- After 20 years: £66,000
- After 30 years: £114,000
This shows that even low returns can still grow your wealth if you stay disciplined and consistent.
Scenario 2: A Moderate 5% Return
With a balanced investment portfolio, a 5% average annual return is a realistic long-term goal.
- After 10 years: £38,000
- After 20 years: £99,000
- After 30 years: £209,000
Here, your savings more than double compared to the 2% scenario.
Scenario 3: A Growth-Oriented 8% Return
For investors willing to accept more risk (and market ups and downs), equity markets historically have offered higher potential returns.
- After 10 years: £46,000
- After 20 years: £152,000
- After 30 years: £382,000
This is the power of compounding at work—returns generating returns over decades.
Scenario 4: An Ambitious 10% Return
While not guaranteed and certainly not without risk, some long-term equity strategies have historically approached double-digit returns.
- After 10 years: £49,000
- After 20 years: £190,000
- After 30 years: £566,000
With higher risk comes higher potential growth—but also greater volatility along the way.
Key Takeaways
- Consistency is key: Momentum will build with regular monthly contributions.
- Time magnifies growth: The longer you invest, the more compounding accelerates your wealth.
- Risk and reward go hand-in-hand: Higher potential returns will need a greater allowance for market changes.
At Corcillium Wealth Management, we work with clients to design savings and investment strategies that are aligned with their individual goals, time horizons, and comfort with risk. Whether your priority is financial security, growth, or legacy planning, a disciplined savings habit will be the first step.
👉 Ready to see how your savings could work harder for you? Get in touch with our team today on 01483 654135 or click here to book into the diary to start building a strategy tailored to your financial future.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
Corcillium Wealth Management is a trading name of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority. It is entered on the FCA register (www.fca.org.uk ) under reference 461598. Registered office: 2plan wealth management Ltd, 3rd Floor, Bridgewater Place, Water Lane, Leeds, LS11 5BZ. Registered in England and Wales Number: 05998270