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Saving is smart, but it’s not enough. Each year, inflation quietly chips away at what your money can buy. Most savings accounts don’t grow fast enough to keep up, which means your future purchasing power shrinks over time.
That’s where investing comes in. By learning to invest and harnessing the power of compounding, smart and consistent women build wealth that lasts, not just for themselves, but for generations to come.
Yes, investing can seem intimidating or risky at first, but that’s exactly why SWIC exists: to make it simple, safe, and something we do together.
Saving is smart, but it’s not enough. Each year, inflation quietly chips away at what your money can buy. Most savings accounts don’t grow fast enough to keep up, which means your future purchasing power shrinks over time.
That’s where investing comes in. By learning to invest and harnessing the power of compounding, smart and consistent women build wealth that lasts, not just for themselves, but for generations to come.
Yes, investing can seem intimidating or risky at first, but that’s exactly why SWIC exists: to make it simple, safe, and something we do together.
Let’s say you love a nice takeaway coffee...
In 2014, your favourite latte cost £2.50. Today, the same drink might cost £3.50 or more.
That’s inflation — prices creep up over time, so your money buys less and less, even if you’re just holding onto it and not buying coffee.
You can put it in a savings account, but they rarely grow enough to counteract inflation. We'll explain in simple terms how inflation and savings rates work, but for now most people know it’s getting tougher to afford even necessities... that's our purchasing power decreasing.
You take that daily coffee spend — £3.50/day, about £100/month — and invest it with a return of 7% per year (a fair long-term average).
Here’s what happens with the magic of compounding:
| Years Saving | Total Invested | Value with Compounding (7%/yr) |
|---|---|---|
| 1 year | £1,200 | £1,284 |
| 5 years | £6,000 | £7,137 |
| 10 years | £12,000 | £17,308 |
| 20 years | £24,000 | £52,092 |
| 30 years | £36,000 | £122,708 |
Skipping the occasional coffee won’t change your life
But it demonsrates how investing as much as you can consistently will change your future.
Enter your savings and interest rate to see how much your investment can grow over time.
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