I won’t tell you what to buy. I’ll teach you how to decide.
Explore the Wealth CalculatorStructured education for DIY investors.
25,000+ learners reached
No stock tips. No copy-my-portfolio approach. No complicated jargon.
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If the education doesn’t meet your expectations, let me know within 14 days of first getting access to a course or your first live cohort lesson and I’ll give you a full refund.
Applies to paid courses and cohorts paid in full when they launch. Paid 1-to-1 sessions and cohort payment plans are not covered by this guarantee. Request your refund by replying to your booking or enrolment email.
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More investing content isn’t always the answer. Knowing what matters—and how to research it—is.
The goal isn’t to make you dependent on someone else’s portfolio.
It’s to help you become a better DIY investor.
Learn the process, not somebody else’s portfolio.
Explore CoursesMost of the information is out there for free. The hard part is cutting through the noise and knowing what actually matters. And the same questions hold people back:
So it gets put off. Sometimes for years.
You don’t need more information. You need the right information, in the right order.
Clear, structured education, so you understand the why behind every decision you make.
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Education only. Learning outcomes vary and no financial results are promised.
I’ve been investing since 2015, I was previously a CPD accredited educator, and my investing education has reached 25,000+ learners.
In the UK and across Europe, very few adults actually invest. Most people were never taught how to think about their money, so investing feels like something other people do.
I want to change that. I built Your Money Mate to help you research properly, understand what you own and make decisions with confidence, so your money stops being something you lie awake worrying about.
I won’t tell you what to buy. I’ll teach you how to decide.
Cash vs Compounding · Wealth Calculator
Investments can fall as well as rise, and you may get back less than you put in. Cash can lose buying power to inflation over time. This calculator is illustrative only, not a forecast. Explore how time, regular contributions and inflation change the picture.
Change the inputs to compare two illustrative scenarios.
Monthly contribution examples
7% is an illustrative assumption, not a historical average or a promised return.
Value after 20 years
Year 20 · today’s money
£23,616
£7,446
£6,103
Values allow for 2.5% annual inflation. Smooth lines illustrate the maths, not real market movements.
£6,103 added + £17,513 illustrative growth = £23,616.
You actually pay in £10,000; the bar expresses both parts in today’s money.
Same deposits and time, with a 5% assumption — two percentage points lower.
At 7%
£23,616
At 5%
£16,192
Neither is a forecast or a worst-case limit. Actual returns vary year to year and can be negative; smooth lines hide that uncertainty.
AI-generated · education, not advice
£16,169 more than the cash scenario. An illustration of different assumed rates—not a guaranteed gain.
£10,000 initially; £0 contributed at each month-end for 20 years; no withdrawals. Total contributions before inflation: £10,000. Cash earns 1% a year; investments assume 7% a year after fees and before tax. Both annual rates are converted to equivalent monthly rates.
All three chart lines and the contribution total are divided by cumulative 2.5% annual inflation to express values in today’s money. The 7% return is hypothetical and nominal, not a sourced historical average. Constant returns simplify the illustration: real markets do not grow in a smooth line.
Illustration, not financial advice or a forecast. Returns, cash rates and inflation vary; investments can fall in value. Diversification does not guarantee a profit. Cash remains important for emergencies and near-term spending.
The chart is only the beginning
You can change a return in seconds. Understanding risk, fees, diversification and what you own takes more than a number. That’s where learning comes in.
Understand compounding and inflation, then explore ETFs, stock research and portfolio-building concepts at your own pace.
Explore CoursesExplore investing principles with Ash and other DIY investors through live teaching, questions and shared learning.
Explore Live CohortsDedicated educational time to understand the investing concepts you find difficult—not recommendations about what to buy.
Explore 1-to-1Courses and cohorts are coming soon. Learning builds understanding, not guaranteed returns.
61%
of UK adults with more than £10,000 in investible assets held at least three-quarters of those assets in cash.
FCA Financial Lives 2024 · published May 202564%
of adult ISA accounts receiving subscriptions in 2024/25 were Cash ISAs. This is the share of accounts—not the share of money invested.
HMRC Annual Savings Statistics · September 2026Before You Start
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