Investments vs Savings
Breakdown of savings and investment figures – if you had started with £1,000
Investments data (S&P World Index)
The below table is based on an initial investment value of £1,000 and held over a 10-year period between 01/01/2014 and 01/01/2024. Excludes fees and does not include any dividends or reinvestment.
We have selected the S&P World Index as it provides diverse exposure to multiple developed, global markets and sectors.
Past performance is not a reliable indicator of future performance.
|
Year |
% Growth (annual) |
Value at end of year |
|---|---|---|
|
Year 2014 |
% Growth (annual) 9.54% |
Value at end of year £1,095.38 |
|
Year 2015 |
% Growth (annual) 2.89% |
Value at end of year £1,127.03 |
|
Year 2016 |
% Growth (annual) 25.67% |
Value at end of year £1,416.38 |
|
Year 2017 |
% Growth (annual) 9.67% |
Value at end of year £1,553.29 |
|
Year 2018 |
% Growth (annual) -4.83% |
Value at end of year £1,478.26 |
|
Year 2019 |
% Growth (annual) 20.14% |
Value at end of year £1,775.99 |
|
Year 2020 |
% Growth (annual) 10.49% |
Value at end of year £1,962.26 |
|
Year 2021 |
% Growth (annual) 22.21% |
Value at end of year £2,398.06 |
|
Year 2022 |
% Growth (annual) -10.44% |
Value at end of year £2,147.77 |
|
Year 2023 |
% Growth (annual) 14.84% |
Value at end of year £2,466.59 |
Total investments value as of 01/01/24 is £2,466.59.
Source: S&P Dow Jones Indices, S&P World Index (GBP).
Savings data
- The savings figures shown are based on depositing £1,000 into a fixed rate savings account paying gross interest over 12 months.
- The interest is then added to the account and re-deposited each year into a series of annual fixed rate savings accounts at the rates shown.
- The end value shows how the savings account has grown over the 10 years taking account of the annual compounded interest. This assumes no tax has been paid on the interest.
|
MoneyFacts Date |
Date of Account Opening |
Interest Gross/AER* |
Balance at end of year |
|---|---|---|---|
|
MoneyFacts Date 01/01/2014 |
Date of Account Opening 01/01/2014 |
Interest Gross/AER* 1.75% |
Balance at end of year £1,017.50 |
|
MoneyFacts Date 31/12/2014 |
Date of Account Opening 01/01/2015 |
Interest Gross/AER* 1.70% |
Balance at end of year £1,034.80 |
|
MoneyFacts Date 30/12/2015 |
Date of Account Opening 01/01/2016 |
Interest Gross/AER* 1.85% |
Balance at end of year £1,053.94 |
|
MoneyFacts Date 28/12/2016 |
Date of Account Opening 01/01/2017 |
Interest Gross/AER* 1.20% |
Balance at end of year £1,066.59 |
|
MoneyFacts Date 27/12/2017 |
Date of Account Opening 01/01/2018 |
Interest Gross/AER* 1.60% |
Balance at end of year £1,083.65 |
|
MoneyFacts Date 27/12/2018 |
Date of Account Opening 01/01/2019 |
Interest Gross/AER* 1.90% |
Balance at end of year £1,104.24 |
|
MoneyFacts Date 01/01/2020 |
Date of Account Opening 01/01/2020 |
Interest Gross/AER* 1.55% |
Balance at end of year £1,121.36 |
|
MoneyFacts Date 30/12/2020 |
Date of Account Opening 01/01/2021 |
Interest Gross/AER* 0.60% |
Balance at end of year £1,128.09 |
|
MoneyFacts Date 29/12/2021 |
Date of Account Opening 01/01/2022 |
Interest Gross/AER* 1.25% |
Balance at end of year £1,142.19 |
|
MoneyFacts Date 28/12/2022 |
Date of Account Opening 01/01/2023 |
Interest Gross/AER* 4.15% |
Balance at end of year £1,189.59 |
Total savings balance as of 01/01/2024 is £1,189.59.
Source: MoneyFacts 12m Fixed Non ISA rates (decile 2), January 2024.
*AER stands for Annual Equivalent Rate. It shows what the interest rate would be if your interest was paid and compounded once each year.
Gross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs.