“I was first introduced to stock market investment by my father, who bought me and my sisters shares from the privatised industries way back in the 1980s. Some of them did quite well. I eventually sold them and used the money to go travelling after university, but it showed me that shares would bounce around, but you could make some good money out of them in the end.
“When I started working in London, I knew I should be saving, but had no spare cash, or at least not that I wanted to put into the stock market. Eventually, I was working in PR and one of my clients was a fund management group. I was having to tell people all about the importance of regular savings and to look long-term and eventually believed my own publicity! I started putting £50 a month in an investment trust saving scheme. It worked really well – I didn’t miss the money going out of my account and after a few years I had a pot that I could use to mend the roof, or whatever.
“Fortunately, I haven’t had to mend the roof and now I’ve got other collective funds as well.”
Not all of us are lucky enough to be given shares by our families. If you have no savings at all, it's a good idea to start with a cash-only pot in case of emergencies. Still, even with £50 a month from that pot, you can start putting a little bit into a low-risk tracker fund or a robo adviser.
If you'd like to have a look at a few options, here's Holly's top picks for Stocks and Shares ISAs in 2018.
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