Before you invest anything
You have some savings and are wondering what to do with them.
3 steps · about 44 minutes · all published
Comes first. Investing without a buffer means selling at the worst moment.
18 min · reading age 13
Try: Emergency Fund CalculatorWork out what a return is actually worth after tax and inflation.
13 min · reading age 13
Try: Real Return Calculator (post-tax, post-inflation)
Why this order
Protection before growth. An emergency fund, then health cover, then clearing expensive debt, and only then investing. Not caution for its own sake — arithmetic. A card balance can charge around 50% a year, which is more than ordinary investments earn.