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Original poster

Partner excessively investing for long term

35 replies

RugbyMum20 · 24/04/2025 21:56

Is it me or is it OTT for someone in their late 20’s on an average income to be regularly investing into a S&S ISA with the intention of this not being accessed until their 50’s? They probably have a spare £7/800 to save at the end of each month and regularly put about £350 of this into this ISA. For context - 1 child and own house with a Mortgage.

Edited to say he has a workplace pension too.

OP posts:
GertrudePerkinsPaperyThing · 24/04/2025 22:03

It depends!

The main concern I have here is that you aren’t married and they may be investing their money in this way in their sole name to your detriment and that of your child.

Are you working? Is it a joint mortgage?

IsItSummerSoon · 24/04/2025 22:03

Are you married? Then he is saving for you, his child and himself really. If you are not married, and him saving this much leaves you and the child short of money, then my opinion would be slightly less favourable.

minnienono · 24/04/2025 22:03

Sensible! Well done

Miloarmadillo2 · 24/04/2025 22:02

Very sensible. Probably a good idea to save some for the child for university/house deposit/start to adult life and pay some extra off mortgage if there is no penalty for overpayments. What do you think he should do with the money?

BuffaloCauliflower · 24/04/2025 22:02

In general I’d say this sounds very sensible, but only if they have a pot of savings for more immediate needs as well

Cadenza12 · 24/04/2025 22:02

Seems a waste of life to save so much for a retirement he might not see. There has to be a balance.

TwistedWonder · 24/04/2025 22:01

I’d say it’s really sensible long term investment plan. He’s being really mature with his forward planning.

Original poster
RugbyMum20 · 24/04/2025 22:01

AirborneElephant · 24/04/2025 22:00

Um. Completely normal and sensible. What exactly is your concern?

That they haven’t got huge amounts of disposable income and it would be better placed with a shorter term view for things

OP posts:
AirborneElephant · 24/04/2025 22:00

Um. Completely normal and sensible. What exactly is your concern?

RacingDriver · 24/04/2025 21:59

I’d say very sensible and good on them. Generally people need to start saving earlier / more for their retirement / later life.