At the early stages of working life money is often tight. But it is important to set in place regular savings. Whether it’s for a deposit for a new home, or just saving for a rainy day, it pays to be disciplined in this regard. It’s not just more financially mature – it puts you on the right path to achieving your personal financial goals.
Early on, it is usual to save in cash-based instruments such as Cash ISAs because you may need to call upon funds at short notice. However, returns on cash traditionally do not keep pace with inflation. So, as savings build up it may be appropriate to consider alternative asset classes.
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