If you're 21 and start putting £200 into a pension each month, your pot may be worth £451,261 if you retire at 68.

However, if you opt out of your pension scheme and delay starting until aged 26, the fund would only be worth around £343,184. If you waited till 40 it would only be £149, 575.

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This example is based on the assumption of 5% investment growth each year but does not include any fees or charges and assumes you don't take out a 25% tax-free lump sum at 55.

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Some techniques to think about when you’re investing Whether investing for the first time or looking to improve your approach, a good place to start is with the people who do this for a living.

Here are four techniques the professionals follow that could help you become a successful investor.

1. Think long term

 History shows that patience and commitment tend to reward investors, which is why it’s best tackled as a long-term exercise over many years. Timing the markets is something that even professionals admit is virtually impossible....

2024 kicks off with a number of mortgage lenders reducing their rates, easing the monthly payment shock for many people who are due to remortgage soon.

Might be time to look at your mortgage.

Saving money is the first step. Then, decide if you're happy with the interest or if you're looking to grow that sum through investing. There's a range of investments available, and it's smart to diversify. Whether you're a risk-taker or prefer playing it safe, there are options for everyone. The key is to get investing as early as you can, no matter your style.

• The Welsh Government has a budget of around £22bn, with about 80% spent on the health service and councils.
• The NHS has been given an extra £450m in the 2024-25 Welsh Government Budget.
• There will be no rise in either income tax or land transaction tax in the 2024-25 Welsh Government Budget.
• There will be £134m of Non Domestic Rates relief (business rates relief).
• There will be a review of charges for dental care, tuition fees and domiciliary care, all of which could go up.
• Social Care Wales workforce development grant programme (SCWW...