40 questions you wish you had asked in your 20s about investing

While there is an interest in investing, only 23% of people in the UK invest outside of their workplace pensions, compared to nearly two-thirds in the US.

Why the disparity? It usually comes down to two things: Fear and Lack of Education.

Most of us were never taught how to manage money in school. We left the classroom without the tools to navigate the real world, often falling into the same cycles of poor financial decisions as the generations before us. We’ve been led to believe that investing is a “guaranteed way to lose money” or that you need a fortune just to get started.

The truth? It is incredibly difficult to “9-to-5” your way to true wealth. This book was written to change that narrative. It isn’t just about stocks and bonds—it’s about moving from being a consumer of the economy to becoming an owner of it.

What’s Inside the Guide?

This conversational, jargon-free e-book breaks down the 40 most critical questions about building a resilient financial future. We dive deep into the pillar of investing, covering:

• Part 1: Foundations – Breaking down the “why” and and “what” of investing.
• Part 2: Investment Portfolios & Strategy – Moving beyond theory. We look at real-world portfolio models from investors and help you choose a strategy that fits your specific goals.
• Part 3: Investment Principles – The “rules of the game.” Learn the golden rules of diversification, compound interest, dollars costs averaging and why “time in the market” beats “timing the market”.
• Part 4: Costs, Fees and ISAs – Ignorance isn’t bliss. We dive into the fees that eat away at your returns and show you how to keep more of your hard-earned money.
• Part 5: Strategy in Motion – Do I invest or overpay my mortgage? How should my spouse and I think about our investments. This sections aims to answer wider questions surrounding investments.

Why Now?

Whether you have £10 or £10,000, the best time to start was yesterday; the second-best time is today.

40 questions you wish you had asked in your 20s about investing is your first step toward a more resilient future. It’s the resource you weren’t given in your 20s—now available to help you thrive in your 30s, 40s, and beyond.

Ready to start owning?

Disclaimer: The information provided in this book is for educational and informational purposes only and does not constitute professional financial advice. Investing involves risk, and the value of your investments can go down as well as up. Always do your own research or consult with a qualified financial advisor before making any investment decisions.

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