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Image source: Getty Images<\/p>\n
Unlike a savings account, there\u2019s no a guaranteed return from a Stocks and Shares ISA. <\/p>\n
Yet recent history provides a useful guide to what can be achieved with one. According to Moneyfacts, the average investing ISA\u2019s provided a typical annual return of 9.64% since 2015.<\/p>\n
This kind of brilliant return would have turned even a modest regular investment into a tasty pile of cash. Indeed, if someone had put \u00a3100 into a Stocks and Shares ISA<\/a> every month over that period they\u2019d have doubled their money (to \u00a320,067).<\/p>\n Want to know how much they could have made by retirement? That\u2019s trickier, but it\u2019s possible to make a rough calculation. Let me show you why.<\/p>\n Here\u2019s your answer<\/p>\n Albert Einstein once called compound interest \u201cthe eighth wonder of the world. He who understands it, earns it; he who doesn\u2019t, pays it.\u201c<\/p>\n Cool story, I hear you say. What does this have to do with our wealth-creating exercise?<\/p>\n Put simply, time is an investor\u2019s best friend. The longer they have their money in the stock market, the more each pound multiplies into something far bigger.<\/p>\n When figuring out how much \u00a3100 a month could become by retirement, then, we need to consider how long that investment is made over.<\/p>\n