A clear, step-by-step guide for UK teenagers who want to invest responsibly. Learn what investing means, the legal ages (Junior ISA, Stocks & Shares ISA, LISA), simple low-fee portfolio options, how to turn part-time wages into long-term gains, and practical examples showing what £50–£100/month can become over decades.

Starting early is one of the most powerful advantages in long-term investing. Through the stories of two fictional investors — one consistent and one hesitant — this article reveals how small, disciplined steps can create significant financial outcomes over time.

Everyone, at some point, has wondered: “What if I had just invested that £100 instead of spending it?” It’s a simple question, but one that illustrates the single most powerful idea in personal finance — the effect of time on money.

Saving is not simply about storing money; it’s about creating financial capacity — the ability to take opportunities when they arise. For many, the barrier isn’t how much they earn, but how consistently they save. Start small. If you can set aside £50 or $50 every month, do it

Get it right the first time! Must know! Tips to follow before investing on a companies stock.