Ndubuisi 'Andy' EgwimMoney Coach for Medics|Ex-NHS GP|21+ Yrs Investor| Founder, MoneyWiseDoctor.com|Helping Medics Avoid Big Money Mistakes

Investing in ISA - 30 Year Growth & Tax Implications

29 Aug 2025 · 1 min

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1:08

Speaker Ndubuisi 'Andy' Egwim walks through a 30-year hypothetical for a stocks-and-shares ISA starting at age 35. In the example the speaker assumes adding £10,000 per year for 30 years, with an existing ISA balance of £300,000 which, if it only doubled over the period, would become £600,000. The speaker highlights the potential tax bite on gains if invested outside an ISA, using a 25% capital gains tax example (roughly £25,000 on the stated growth) and framing that as a substantial cost for many individuals.

Questions this video answers

35 years old.

30 years.

£10,000 per year.

£300,000.

£600,000.

Chapters

Let's say you are 35 now. That means you've got 30 years. You're still working. Let's just say over the next 30 years you managed to put 10,000. Let's just say you didn't manage to max your ISA, but you put 10,000 per year into your ISA. You already have got like 300,000 in there. Okay, so this is stock and shares ISA. Now what this means is that 300,000, let's say you did quite well. Let's say even if the money doubled over that period, obviously if it only doubled that period, it's not a fantastic result. But let's say it only doubles. So you put in 300,000, but over that whole 30 years it doubled. So you end up with 600,000. So this begins to actually take on a bit of weight. If you have to pay 24 or 25% of that 600,000, I'm using 25% for use of calculation as capital gains tax. Because if you sell something, you have to give the government a bit. That's a lot. But if it's not, that means 25 000. That's still a lot of money for most people. I think it's a lot of money for me and for Yabo is dotted. So maybe for. But if it's not for you, then if you invest outside the nyser, that is, this is what can happen.