You never know when you might need cash. But keeping it in a savings account can lose you money over the longer term.

We can thank our grandparents for their advice on understanding how to save, budget & invest. Although society has changed, the simple rules of money haven’t.

Investing in funds rather than individual stocks & shares may have advantages such as lower risk & less hassle.

Diversifying between stocks, bonds, asset classes, sectors & countries is important. It can protect you if one stock dips or a general market downturn.

By drip-feeding smaller amounts consistently into your portfolio you could benefit than if you invested a lump sum.

Not many understand the “magic” of compounding – and how your returns can grow exponentially.