Openai/6925ed00-bd54-800b-a1ce-944ae1f39bd1

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gpt-5-1

User: Compound these figures in a stocks and shares ISA UK, with a 10% gain per year with dividends reinvested.

Compound these figures in a stocks and shares ISA UK, with a 10% gain per year with dividends reinvested.

£250 per month for 30 years

Assistant: Here’s the compounded value of £250 per month for 30 years in a UK Stocks & Shares ISA, assuming a 10% annual return wi…

Here’s the compounded value of £250 per month for 30 years in a UK Stocks & Shares ISA, assuming a 10% annual return with all dividends reinvested.

📊 Assumptions

• Monthly contribution: £250
• Time period: 30 years
• Annual return: 10%
• Monthly compounding: 10% / 12
• Dividends fully reinvested
• Formula: Future Value of a monthly investment (annuity)

💰 Result

Using the standard compound-interest formula:

Final value ≈ £565,122

So after 30 years, investing £250 per month at a 10% annual return, you would likely end up with around £565k, assuming consistent returns and reinvested dividends.

📈 What this means

• Total contributions: £250 × 12 × 30 = £90,000
• Growth: £565,122 – £90,000 = £475,122 from investment returns alone
• The majority of the final amount comes from compounding, not contributions.

If you'd like, I can also show:

• yearly breakdowns,
• different return scenarios (e.g., 6%, 8%, 12%),
• inflation-adjusted values,
• graphs, or
• comparisons with lump-sum investing.

Just let me know!