Life Stage Accumulation
Life Stage Accumulation

Accumulation Stage

Build your wealth during a period when your earnings potential is possibly at its greatest

Build your wealth during a period when your earnings potential is possibly at its greatest

Ensuring sure that you accumulate as much wealth as possible at this stage in your life will provide you with the foundations to plan effectively for the future. You will likely be between the ages of 30 to 40 years old and delaying decisions to secure your future financially will prove difficult to reverse later on. Here are some key considerations:-

  • Getting married - will your lifestyle change now that you have joint income; can you both look forward to a financially secure retirement; do you want to start a family and where do you want to send them to school
  • Changing job - how will this affect your financial objectives? Do you need to review your options if your income increases or decreases as a result?
  • Moving house - are you going to move to a bigger house or perhaps downsize? Moving to a larger property may put pressure on any savings commitments you have whilst downsizing may result in having surplus capital to invest. In either scenario a review of your savings arrangements may be required.

Things to consider

Plan for the future now to take the pressure off later on

  • Decide what your priorities are
  • Focus on an achievable target such as saving on a monthly basis
  • Make sure your savings are on track
  • Talk to us - we've been helping clients to achieve their goals for over 30 years

Product options

Stocks & Shares ISAs

If you know you need to start saving but are not sure where to begin, Stocks & Shares ISAs (Individual Savings Accounts) are a good way of “dipping your toe” in the investment waters.

General Investment Account

Give your savings a boost

Cofunds Pension Account

You know you need to plan for your retirement but just don't know where to start. We make it easy to invest for the work-free (and hopefully stress-free) stage of your life.

Junior ISAs

Children have long term needs so why not take a long term view of their investments?

Designated Accounts

We can't predict what will happen in the future but we can plan for it. Ring fence savings for a child or future event