🎓 **Vanguard: Bumping Your Monthly Investment Just 2% a Year Can Add £14,000 to a 20-Year Portfolio**

Vanguard's James Norton makes the case for revisiting — not just starting — a regular investment plan.
• Investor A keeps contributing **£200/month** unchanged for 20 years; Investor B raises it just **2% a year** (matching inflation).
• At 5% annual growth after fees, Investor B ends up with **£95,533** vs Investor A's £81,161 — about **£14,000** more from tiny, gradual increases.
• By year 20 that "small" increase only reaches ~£290/month — _barely felt_, but compounding does the rest.
• Simplest trigger: direct part of every pay rise into the investment before it becomes lifestyle spending.

**💡 Why it matters:** With a fixed Direct Debit gradually losing real value to inflation, this is a low-effort adjustment that materially changes long-term outcomes — relevant for any fintech nudging users toward better saving habits.

[🔗 Read more](/leaving?url=aHR0cHM6Ly93d3cudmFuZ3VhcmRpbnZlc3Rvci5jby51ay9hcnRpY2xlcy9sYXRlc3QtdGhvdWdodHMvaW52ZXN0aW5nLXN1Y2Nlc3MvYS1yZWd1bGFyLWludmVzdG1lbnQtaXMtYS1ncmVhdC1zdGFydC1oZXJlLWlzLWhvdy10by1tYWtlLWl0LXdvcmstaGFyZGVy)
[#vanguard](/search?q=%23vanguard)