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Investing for students & young professionals

Time is the one thing you cannot buy later.

For students and young professionals. You do not need a large amount to start: you need time, and right now you have more of it than you ever will again.

See what it means

The idea

The amount matters. The years matter more.

As a student, and in the first years of a career, the amount you can spare is small, and that is normal. What does not come back is time: every year that passes is one fewer year for whatever you put aside to work.

A small amount early is not a small move.

The calculation

What could a small amount mean?

40 years until you are 65

Hypothetical annual return5%
Illustrative scenario

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Indicative capital

Your contributions
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Hypothetical return
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The calculations are indicative and based on hypothetical returns. They are not a guarantee of future performance or an investment proposal. The value of investments can rise or fall. Useful information & assumptions

What a decade of waiting costs.

For example: €100 a month, at a hypothetical annual return of 5%, until 65.

€152,602

€83,226

The difference€69,376

Starting at 25

Your contributions: €48,000

Starting at 35

Your contributions: €36,000

Your contributionsHypothetical return

Same monthly amount, same hypothetical return, same age at the end. Only the starting point changes.

The difference is not in the amount. It is in the years.

Saving and investing are not the same thing.

It is not a question of which one. They serve different purposes and usually sit alongside each other.

Saving

  • The capital stays available and its nominal value does not move.
  • The return is tied to the interest rates of the period.
  • It serves short-term needs and the emergency buffer.

Investing

  • The value moves: it can rise and it can fall.
  • It assumes a time horizon and a level of risk suited to your profile.
  • It serves goals that sit years ahead.

Neither option is the right one for everyone, or for every purpose. The appropriate balance depends on your horizon, your need for liquidity, and how much risk you are willing and able to take.

See our investment approach

The basics

Three things worth knowing before you start.

  • Diversification

    Spreading across many holdings and markets, so the outcome does not rest on any one of them.

  • Horizon

    How many years you can leave the money to work without needing it back.

  • Consistency

    A steady monthly contribution, buying at different prices over time.

The start

What a first plan looks like.

  1. 01BufferAn amount in cash for the unexpected, before anything else.
  2. 02AmountA monthly figure your everyday life can carry, not the maximum possible.
  3. 03AutomationA standing instruction, so it does not need a decision every month.
  4. 04IncreaseRevisiting the amount when income rises, not when time allows.

You do not need to have it all worked out. You need to have started.

Two things that cost less while you are healthy.

Health and life cover are assessed on your age and your health at the time you apply.

  • Health

    Access to hospital and out-patient care, independent of your employer.

    Health insurance

  • Life

    It makes sense when someone depends on you financially, or when there is a loan.

    Life insurance

The start

Let’s look at what you could start this month.

No commitment, and no minimum amount to have the conversation.

Talk to us