Delaying ISA investing cost savers £123k over 20 years

Delaying ISA investing cost savers £123k over 20 years

Analysis by UK personal finance publications shows that delaying Stocks & Shares ISA contributions—waiting until the end of the tax year—cost the average saver almost £123 000 in potential returns over 20 years.
Compounding and tax‑free growth are powerful over the long term, so consistent and early investing through ISA allowances is critical.
This underscores the importance of acting early within each tax year to maximise returns.

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