Investing for beginners: the cost of delay

Picture of crocuses for my post on the cost of delay when investing

Start soon, even if you start small

If I had a super power, I reckon it would be procrastination.

I am superbly gifted at putting things off. Delaying decisions, worrying about the best outcome, generally fiddling while Rome burns.

In money terms, that sometimes works well. Faffing about the best buy or waiting for a better option can mean I spend less.

Know where it wallops me in the wallet? Investing.

Because what really matters when it comes to investing is time. I took ages to get started, which meant I missed out on a big chunk of money.

Find out how I got hit by the cost of delay – so you don’t have to!

Picture of research from Barclays Equity Gilt study about shares beating cash

Long term chance of shares beating savings

Missed out on stock market growth

Over the long term, stock markets have tended to rise. That’s the first reason it’s important to get started, rather than staying on the sidelines.

Sure, markets don’t grow in a straight line. Strap yourself in for a bumpy ride as prices hurtle up and down. You could even get back less money than you started with, if you sell when prices are low, rather than hanging around to see if they perk up again. That’s why investing is only suitable for money you can tie up for at least five years, and ideally more.

But stick around for long enough, and investing consistently does much better than staying in cash, according to number crunching for more than a century by the Barclays Equity Gilt Study.

Missed out on compound interest

Know how else time helps and delay hinders? Compound interest.

Simple idea, mind-blowing impact, given time.

Previous post: The one thing you need to know about money 

Compound interest is the money paid on interest you have already earned or paid.

Stick money in a savings account, and after a year you’ll earn some interest. Great!

Then after the second year, you get interest not just on your original savings, but extra interest earned on the interest from the first year.

After three years, you’re getting interest on your original savings plus interest on the interest from the first year plus interest on the interest from the second year – and so it goes on, earning interest on all the interest you’ve earned before.

With investing, compounding works when you earn dividends on your investments. If you reinvest the dividends, you earn more dividends year after year on the money you reinvest.

Compounding is sneaky because it starts slowly, but then soars off into the stratosphere. It’s not a straight line, but a curve that shoots skywards, taking your balance with it.

More on the power of compounding returns

Missed out on making the most of smaller sums

If I’d started investing earlier, I’d have had more time to ride out stock market peaks and troughs and more time to get a boost from the rocket of compounding returns.

It’s the magic combination of long-term stock market growth and compounding that can take small sums and turn them into big balances – given enough time!

Compounding returns are the reason that if you start paying £50 a month into a pension when your baby is born, and continue until they reach 18, they could be looking at a pension pot of nearly £200,000 by the time they hit 68, even if you didn’t add a penny afterwards.

(This assumes that overall the money grows at 5% a year, after charges)

 It’s time that transforms the £10,800 contributions to nearly £200,000.

Starting early makes reaching your money goals more affordable, because smaller amounts have the time to roll up into bigger balances.

Picture of the cabman's shelter in Christchurch Park for my post on the cost of delay when investing

Pensions and ISAs: shelters for your money

Missed out on tax shelters

If I’d invested earlier, I could have made the most of the tax breaks on offer.

Currently, it’s possible to shovel up to £20,000 a year into an individual savings account (ISA) and – for those of us earning under £150,000 a year – up to 100% of earnings, max £40,000 a year, into a pension. ISAs and pensions have different pros and cons, but fundamentally both let your money grow without the taxman taking a cut.

That annual ISA allowance runs from 6 April one year to 5 April the next. If you don’t use it, you can’t get it back, but have to use next year’s allowance instead.

 

Picture of notices of interest rate change for my Cash ISA back in 2008 to 2009 for my post on the cost of delay when investing

Plummeting interest – from 6% to 1.1% in 6 months

My own cost of delay

Now, I was late to the party when it comes to investing. I don’t come from a background where anyone dealt in stocks and shares. I dutifully paid into a pension, raised a deposit for my first flat, and kept any extra in a good ol’ fashioned saving account.

I put £500 in my first cash individual savings account (ISA) back in 2001. It was just after the dot com boom went bust. I wasn’t keen to go anywhere near a stock market!

Afterwards, despite writing about investing for years, I didn’t actually switch my cash ISA money into investments until 2015. By then, I’d stashed away £28,600 from earnings with a bit of interest on top.

I’ve been trawling back through building society passbooks and bank statements for six different cash ISAs, as I moved my money around chasing best buy interest rates. It looks like over the 14 years I paid in just over £21,700 and earned nearly £6,900 in interest

*Short pause to remember interest on my cash ISA peaking at 6.5% before the 2008 financial crisis. Wish interest on savings accounts weren’t quite so rubbish nowadays*

That works out as contributions of just under £126 a month over 14 years.

Here’s a calculation I’ve never done before, for fear of quite how painful it might be.

Let’s take a time machine back to 2001 and stick my £500 in a tracker fund that follows average share prices on stock markets all over the world, aka the FTSE All World Total Return index.

If I had added £126 a month for the 14 years, my balance would have hit £33,512 after costs of 0.5% a year, by the time I finished procrastinating and started investing.

(And many thanks to Vanguard for crunching those numbers so I didn’t have to!)

Those years saw some great times for saving, with that high point of 6.5% interest on my cash ISA.

Those years also saw some disastrous times for the stock market, with the massive plunge during the global financial crisis.

But despite all that, I would still have emerged nearly £5,000 better off if I’d invested instead of staying in a savings account.

During the time I was saving, from 2001 to 2015, the FTSE All World Total Return index grew at around 6.3% a year on average, before any investment costs. Bringing that up to date, it’s actually done even better, growing at 7.3% a year on average since 2001. Long term, the stock market does tend to do way better than stuck in savings.

Graph of the FTSE All World Total Return index from 2001 to 2015 for my post on the cost of delay when investing

Stockmarket while I was stuck in savings – spot the big dip during the financial crisis Source: FTSE All World Total Return index via Bloomberg

Don’t get hit by the cost of delay!

With the wonderful 20:20 vision of hindsight, I wish I’d started investing earlier.

If I could hop back to 2001, I’d tell myself to stop worrying about the ‘best’ way to start investing. There isn’t a ‘best’ way that suits everyone – but there are loads of options that are just fine.

I’d tell myself it was more important just to get started, even with only £25, £50 or £100 a month. Use a fund that would spread my money over lots of investments all over the world, make sure it didn’t charge huge fees and stick it in a ISA. Aside from any tax breaks, using an ISA also means I wouldn’t have to mention that money on my tax return! Just start, and expect to learn more as I went along.

So if you have some spare money and are ready to invest, don’t get hit by the cost of delay like I did!

If you’re equally bewildered by the choice of investments and platforms and want something super simple, check out the Vanguard LifeStrategy funds.

Previous post: Investing for beginners: which Vanguard LifeStrategy fund is right for you?

I opened an account with Vanguard nearly two years ago, back in May 2017. I liked the fact it only charges 0.15% a year for the platform, and 0.22% for the LifeStrategy funds, so I could invest for just 0.37% all in. It only took a few minutes, and that investment has grown 9.18% since, far more than I would have got stuck in a savings account.

Vanguard also offer a FTSE Global All Cap index fund for just 0.24% a year, so only 0.39% a year including the platform cost.

Open an ISA with Vanguard Personal Investor 

With Brexit looming, you might wonder whether to use your ISA allowance before April 5. Who knows whether the stock market will go up, down or sideways after the end of March?

But as all the investment experts say, it’s ‘time in the market, not timing the market’ that matters.

Even if everything goes to hell in a handbasket, I’m willing to bet that markets will bounce back over time and end up higher than they are today.

So if there’s a dream you’re saving for, such as the chance to retire or education for your children, consider starting soon rather than getting hit by the cost of delay.

Find out more in our Twitter chat

If you’d like to find out more about starting to invest, do join our Twitter chat on Thursday 14 March from 1pm to 2pm. I’ll be online at @MuchMore_Less with Lynn from Mrs Mummypenny to share our own experiences, plus James Norton, a senior investment planner from Vanguard. Just use the hashtag #AskVanguardUK if you have any questions and to track down the conversation. See you there – it’ll be fun!

Now – over to you. Ever wished you started investing earlier? If you haven’t started investing, what’s stopping you?

 

Check out Mrs Mummypenny’s post about her own experience of the cost of delay

This is a collaborative post with Vanguard Asset Management

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46 Comments

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    2nd March 2019 / 8:57 am

    I have always thought of buying stocks and shares as being the equivalent of betting on horses.
    Reading this has made me think I have made a big mistake.

    • Faith
      Author
      15th March 2019 / 12:03 pm

      Never too late to start! I really don’t think sensible investing, using funds so money is spread over multiple companies, is anything like gambling. Definitely worth considering.

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    As I reviewed the entire sequence of events, I realized with a sinking heart that I had fallen victim to an elaborate scam. The investment platform was nothing more than a sophisticated fraud designed to exploit unsuspecting individuals like me. The realization was devastating and I felt a profound sense of betrayal and helplessness. My hard-earned money was gone, and I was unsure of how to proceed. It was during this turbulent time that I came across RAPID DIGITAL RECOVERY. The name itself suggested a glimmer of hope, and I decided to reach out to them in my desperation. When I first contacted RAPID DIGITAL RECOVERY, I was met with a sense of understanding and professionalism that was reassuring. They listened to my story with patience and empathy, acknowledging the gravity of my situation. The representative assigned to my case assured me that they had experience handling such matters and that they would work diligently to recover my lost funds. Their approach was methodical and thorough. They asked for all necessary details and documentation related to the scam, ensuring that no aspect of the case was overlooked. Throughout the process, I was kept informed of the progress and provided with updates, which helped alleviate some of my anxiety. The team at RAPID DIGITAL RECOVERY was consistently professional and kept their promises Remarkably, it took only two days for RAPID DIGITAL RECOVERY to complete their work. When I received the news that my funds had been successfully recovered and deposited back into my personal account, a wave of relief and gratitude washed over me. The speed and efficiency with which they resolved the issue were nothing short of impressive. I cannot express enough how grateful I am to RAPID DIGITAL RECOVERY for their expertise and dedication. They not only recovered my funds but also provided emotional support during a very distressing time. Their calm and assured demeanor made a significant difference in my experience, helping me regain my confidence and trust in the digital world. The ordeal of falling victim to an investment scam was a painful chapter in my life, but it was made bearable by the intervention of RAPID DIGITAL RECOVERY. Their swift action and professional handling of the situation restored my faith in getting justice and recovering what was rightfully mine. For anyone facing a similar plight, I wholeheartedly recommend RAPID DIGITAL RECOVERY for their support.

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  22. 21st August 2024 / 4:40 pm

    I made an initial investment of roughly $380,000 on a Coastal Trading Options. After several transactions, I chose to withdraw my money because according to the website I had made a lot of profits, however the withdrawal was unsuccessful. I made several attempts in contacting them but it all failed. I made every effort and filed a report to recover my money by contacting the police department in charge of investigating fraudulent situations, but nothing was successful. Since my attempt with the police failed, I tried other possible means to make sure I recovered my scammed bitcoin. I reached out to a hacker whose reviews I had read online; Recovery Nerds, I contacted him via his email on: mailus @ recoverynerds . com, Website: https: // recoverynerds . com/ Whatsapp: +15143122803 He came in handy and at the right time. He rescued me from these shady investment schemes with the help of their top-notch services. I got my funds back as well as my peace of mind.

  23. Ulises Francisco
    23rd August 2024 / 9:49 pm

    The thought of losing your hard earned money is always unbearable. I felt an insurmountable sense of betrayal and foolishness which weighed heavily on me and left me very devastated. I’m very cautious with my finances, but I was approached with what seemed like a foolproof high-yield investment opportunity, I decided to take the plunge. The scheme promised incredible returns and was backed by what appeared to be a reputable firm with a strong online presence. In total, I invested $376,550 USD drawn by the potential to significantly grow my savings. For the first few months, everything seemed to be going smoothly. My account showed impressive gains, and I even received a few small payouts. Then, one day, it all came crashing down. It became one withdrawal fee after another till my account was wiped clean, and all communications ceased. My first response action was to report the incident to the authorities, but their investigation moved at a snail’s pace, and they warned me that the chances of recovery were slim. Desperate for help, I began searching for alternatives and came across JETHACKS RECOVERY CENTRE. Their reviews were overwhelmingly positive, and their process was clearly outlined, which gave me a shred of hope. My first consultation with the team went well as they took the time to understand the full scope of the scam and reassured me that they would do everything in their power to recover my funds. Despite the complexity of my case, they remained confident and focused and over the next five days, they kept me updated with detailed reports on their progress. Their persistence paid off, and to my astonishment, they were able to recover my lost investment funds. I was overwhelmed with joy and relief. This experience has been a rollercoaster, but thanks to this incredible team, I now have my money back and a second chance to rebuild my life. Their dedication and expertise were truly life-changing, and I cannot recommend their services enough. I consulted with the team via email JETHACKS 7 @ GMAIL . COM However, they’re also active on Telegram via username @ JETHACKSS

  24. Roger Linfield
    26th August 2024 / 3:36 pm

    When I first encountered the Ontega group investment online, it felt like I had struck gold. I had been looking for a way to make my savings grow, and the promises of high returns for little effort seemed like an opportunity I couldn’t pass up. Like many others, I was drawn in by the glossy advertisements and impressive testimonials from “satisfied” investors. Little did I know that I was about to fall into a trap that would leave me devastated. I invested a portion of my life savings, convinced that I was making a wise financial decision. Everything seemed perfect In the beginning. I received regular updates about my investment’s growth, and the platform even allowed me to withdraw a small portion of my funds as a test. This only fueled my excitement and led me to invest even more. But then the withdrawals stopped. What had once been a smooth process turned into a nightmare. Every time I attempted to process a withdrawal, I was met with an error messages. I tried to contact customer support, but I was made to sort some fees to clear my withdrawals and when I couldn’t afford to pay the fees, my emails were ignored. It dawned on me that I had been scammed. Panic and despair washed over me, I began searching for solutions.. luckily for me, I discovered JETHACKS RECOVERY CENTRE service that proved to help individuals like me regain their lost funds. Skeptical but desperate, I took the plunge and contacted them using their contact support details online,
    Email support : JETHACKS 7 @ GMAIL . COM
    Telegram support : @ JETHACKSS
    They assured me that they had a track record of success and that I was not alone in this battle. days passed by, filled with anxiety and uncertainty, but I remained in contact with the recovery team. They kept me updated on their progress, and their professionalism instilled a sense of trust in me. To my amazement, about 72 hours after of intense work on their side, they were able to trace and successfully extract back my funds into my account. I couldn’t believe it! The relief I felt was overwhelming. Thanks to the dedicated team at the recovery service, I was able to reclaim my hard earned money. This experience taught me a valuable lesson about investing and the importance of due diligence. I am now an advocate for financial literacy, sharing my story to prevent others from falling victim to scams.

  25. saephanch
    26th August 2024 / 4:30 pm

    Hello Everyone,

    I want to publicly thank Alliance Digital Hack, a group of professional private investigator and a certified expert in Bitcoin Recovery Services. Their assistance in helping me recover all the money I lost to fraud was top notch and unbelievable. An online manipulation artist who represented themselves as knowledgeable and experienced in the field of Crypto investments conned my wife and myself. My $356,000 worth of funds were put into cryptocurrency. I was left helpless after the fraud tricked us and had to spend hours looking for a Crypto recovery service to get my money back. The specialist I found was Alliance Digital Hack. I just had to be patient after describing my situation to the expert and all of my money was returned to my wallet in less than 72 hours. Thank you Alliance Digital Hack for your excellent assistance in getting my money back. If you are interested in hiring there services, they can be reached through their contact details below.

    Email: alliancedigitalrecovery@ outlook.com
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  26. Ean Martin
    3rd September 2024 / 2:20 pm

    My father had always warned me about the dangers of “too good to be true” schemes, yet the allure of making quick money blurred my judgment. I still remember the first time I stumbled across that glossy advertisement promising unbelievable returns on investments. It was polished, sophisticated, and seemed so legitimate. It was an online trading platform claiming to be at the forefront of cryptocurrency investments, and as someone always fascinated by technology and finance, I was instantly hooked. After a week of researching, I decided to register with them and deposited a tentative amount of $10,000 for a start thinking of it as an investment in my future. The first few weeks were exhilarating. I watched my account balance inch up, with my portfolio seemingly growing by the day. The platform offered high returns which led me to injudiciously invest all my savings, Little did I know that I was on the path to becoming a victim. To my shock, I woke up one day to see my account balance reading negative. The platform had suddenly restricted withdrawals and the customer service that had once been so responsive was now unresponsive. I remember feeling sick to my stomach, My instincts screamed at me that I had been scammed. As my desperation grew, I went online and spent countless hours researching for possible solutions. That’s when I stumbled upon a post on Quora with comments from other angry victims of investment scams. The stories were heartbreaking and eerily similar to mine. I contacted JETHACKS RECOVERY CENTRE specializing in tracking down lost funds from online scams. What followed was a professionally designed and conducted tailor made approach to tracking down my assets, you just know these guys are very capable and within 72 hours, I received a significant amount of my investment recovered swiftly. The emotional toll, however, was profound. The trust I once had in online investments was shattered but through the experience, I learned valuable lessons about investing. Today, armed with a learned caution, I advocate for others to remain vigilant against similar scams and if already you’re faced with a possible scam situation with your assets, you can get in touch with the team using any of their contact support infos, Email support : JETHACKS 7 @ GMAIL . COM , Telegram support ID @ JETHACKSS

  27. peter gonzalez
    3rd September 2024 / 5:35 pm

    All you need is to hire an expert to help you accomplish that. If there’s any need to spy on your partner’s phone. From my experience I lacked evidence to confront my husband on my suspicion on his infidelity, until I came across ETHICALAHCKERS which many commend him of assisting them in their spying mission. So I contacted him and he provided me with access into his phone to view all text messages, call logs, WhatsApp messages and even her location. This evidence helped me move him off my life . I recommend you consult ETHICALHACKERS009 @ gmail.com OR CALL/TEXT ‪+1(716) 318-5536 or whatsapp +14106350697 if you need access to your partner’s phone

  28. Jeffery Jack
    5th September 2024 / 1:17 am

    FASTEST WAY TO RECOVER YOUR STOLEN BITCOIN/USDT 2024 I cannot thank Captain Jack Crypto Recovery enough for their incredible work in helping me recover my stolen $325,000 USDT. I was devastated when I realized my funds had been stolen, but Captain Jack Crypto Recovery stepped in and used their expertise to retrieve my money. Their professionalism and dedication to their work was evident throughout the entire process. They kept me updated and informed every step of the way, and I felt confident and reassured knowing that my case was in their hands. Thanks to Captain Jack Crypto Recovery, I was able to recover my funds and regain my financial stability. I highly recommend their services to anyone in need of ethical and reliable hacking assistance. Thank you, Captain Jack Crypto Recovery, for your exceptional work and for giving me peace of mind. Here is their contact information:

    Telegram: @captainjackcrypto1

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  29. Erin Cook
    5th September 2024 / 11:23 am

    This was supposed to be my retirement dream, the opportunity to invest in foreign currencies that promised exceptional growth and stability. I have worked hard my entire life as a school teacher, and the thought of finally having some extra income was thrilling. When my colleague introduced me to an online trading platform, I felt like my dreams were just an investment away. What struck me at first was the platform’s customer testimonials filled with euphoric success stories. I was inspired to invest $15,000, thinking I could secure a comfortable living for my later years. At first, everything was seamless, the dashboard contained various tools that made trading seem simple. I watched videos of experts explaining market trends, and for a while, I felt like a seasoned trader. However, in my fourth month of investing with the platform, I noticed alarming signs. Initial profits diminished drastically and withdrawal requests took forever. My mindset shifted from optimism to despair as the platform began to limit my access more and more, citing “ technical errors ” that never seemed to be resolved. In my frantic attempts to retrieve my money, I sought out the support desk which turned out to be unhelpful. Every time I managed to speak to someone, the conversation always ended with a form of payment needing to be made by me. Then one day, I chanced upon a Facebook group dedicated to victims of cyber fraud. Unbeknownst to me, many individuals had lost their retirement savings as well. In a moment of solidarity, I was introduced to JETHACKS RECOVERY FIRM a team of recovery specialists who had successfully helped other victims reclaim their lost funds. the idea seemed a bit far fetched but it was a necessary path I chose to navigate to reclaim my assets. Using the contact details I found online, I contacted the team’s email : JETHACKS 7 @ GMAIL . COM to which they responded and accepted to take on my case. Thankfully, after 2 days of great work from the team, the total sum of my assets including my profits was recovered back to my accounts, I checked and it was all there. My gratitude knows no bounds and I could never thank the team enough not to mention, the wonderful group on Facebook who set me on the right path to reclaiming my financial freedom.

  30. Mason Gardner
    8th September 2024 / 11:29 am

    It seemed like destiny when I came across the automated trading system that promised to turn small investments into significant wealth overtime. The marketing was aggressive, images of luxurious vacations, fancy cars, and people celebrating their newfound freedom filled my social media feed. My financial struggles as a recent college graduate were making me desperate for an opportunity, and it sucked me in completely. On a whim, I invested a reasonable amount, borrowing from my meager savings and even taking a small loan to fund my excitement. I can still feel that rush as I signed up; it felt like an exhilarating rollercoaster ride. As the weeks rolled by, I watched my investment seemingly double and triple overnight, and my initial skepticism began to fade. I was even convinced to tell my friends and family how this platform was going to change my life. But then a familiar pit began to form in my stomach. Predictably, the “growth” was suddenly stunted, and I faced significant hurdles when attempting to withdraw funds. The flashing alerts about my “account needing upgrade” and “market tightening” as the cause of the unforeseen situation made me uncomfortable, but I pushed that discomfort aside. After all, I had been told that success requires patience. Weeks turned to months, and with each passing day, the situation worsened. As my account plummeted into the abyss and support desk also MIA , I began to scour the internet for answers. I stumbled across few impressive reviews of JETHACKS RECOVERY FIRM that were very related to my situation prompting my initial inquiries with the team on regarding their services, i reached out to them on telegram with the contact support @ JETHACKSS sending over the necessary informations to enable the total trace down and recovery of my assets within the time frame of 72 hours much to my surprise and satisfaction. Today, I encourage my fellow investors to be vigilant and skeptical of perfect promises. It’s vital to prioritize thorough research over impulse decisions, no matter how tempting they may be, the team’s email support @ JETHACKS 7 @ GMAIL . COM is also available to respond to your case.

  31. 9th September 2024 / 12:47 pm

    Good day to you all my beloved, I’m Mr. Ron Wiebe from Atlanta Georgia here in United State, myself and my wife has been a victim of fraud for the past two years thinking it was real, we discovered very late and didn’t want to accept the truth simply because it will cause nothing good but sadness, unfortunately we got tired and end up being more scammed by some fake recovery agent, only one scammer who seems to be human enough then opened up to us that he was a scam and only one true hacker is over the internet which he knows about and then gave us (jeansonjamesanchetawizard62@gmail.com) or WhatsApp number: +49 (1521) 9265132. and we contacted him and waited for 48 hours and all our 2 years lost hope were fully recovered back to us, feel free to contact him Please mention that you were referred by me so he can attend to you immediately because he’s been careful of imposters and spy’s.

  32. Renee Holden
    11th September 2024 / 7:37 pm

    It feels surreal to reflect on my experience with what I believed was a legitimate investment opportunity. As a single mother trying to make ends meet, my primary goal has always been to secure a better future for my children. When I came across the advertisements for an online investment platform that promised high returns with minimal risks, my desperation clouded my judgment. I had first learned about it through social media, a series of targeted ads that resonated with my financial struggles and hopes for a brighter tomorrow. The platform showcased testimonials from successful investors who claimed to have attained financial freedom, living their dreams thanks to their investments. The reviews only seemed to affirm its legitimacy, so I decided to invest a significant portion of my savings, the potential rewards seemed worth it. There were decent returns in the beginning, which only fueled my eagerness to invest more. However, my newfound joy was short lived as the situation quickly turned grim. My withdrawals began getting stuck in a perpetual processing status. Rather than being able to access my funds, I was met with continuous withdrawal fee requests from customer service stating it was required to resolve the situation. Each day I waited grew heavier, and the anxious knots in my stomach tightened. I tried initiating contact through emails, messages, and even phone calls, only to be met with silence or generic replies after failure to come up with the fees. Determined to reclaim what I could, I consulted with JETHACKS RECOVERY CENTRE a recovery expert team who specialized in helping victims of online fraud. The emotional journey was draining, filled with doubts about whether I would ever see another cent again. The next few days became a blur between anxiety and panic as the recovery team worked to trace and recover the funds from the fraudulent platform. Although a minor amount of my investment was gone, every bit that was returned felt like an immense victory considering I could have lost it all if not for the help of the JETHACKS TEAM. My hope is that by sharing my story, others may avoid the pitfalls I fell into and a second chance to financial stability by recovering what may have been lost to scammers, contact the team using the below support details,
    EMAIL Support : JETHACKS 7 @ GMAIL . COM
    TELEGRAM Support : JETHACKSS

  33. Gavin Lumber
    12th September 2024 / 6:36 pm

    iBolt Cyber Hacker Crypto/Asset Recovery Service

    iBolt Recovery service is focused on helping individuals recover lost or stolen cryptocurrency and other digital assets. crypto transactions users often fall victim to scams, hacks, or forgotten wallet credentials, leading to the loss of significant funds. Recovery services like iBolt has leverage to advanced hacking techniques, cyber investigations, and blockchain analysis to trace and recover these lost assets.

    When considering recovery services, it is crucial to exercise caution. The crypto recovery space is rife with fraudulent services promising results but often failing to deliver. It’s important to vet the credibility recovery service by checking reviews, success stories, iBolt Cyber Hacker success in recovery is confirmed and verified.

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  34. Gavin Claudien
    14th September 2024 / 5:19 am

    I had invested all my entire savings into crypto and this had been going on for weeks until I needed to withdraw my funds for a medical emergency when I realized that I had been scammed of my entire life savings by a fake crypto investment broker who denied me access to my savings and insisted that I had to make more payments before I could get my savings. I was devastated and my life was in ruins, however, while I was searching for a way out, I came across a post about SpYweb Cyber Security Service, a crypto recovery company that has been very successful in the past with the recovery of crypto, lost data, stolen funds and as helped countless of others to access certain information. I did my research and was convinced of their service, I contacted SpYweb Cyber Security Service who was able to assist me and I recovered all my stolen crypto. I’m truly grateful for their service and wish to recommend them for services that have to do with the recovery of crypto and other private data.

    Their contact info: SPYWEBCYBER@CYBERDUDE.COM
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  35. Vincent Acosta
    14th September 2024 / 11:11 pm

    It’s a painful experience to recount, but I believe it’s important to share my story. The allure of almost instant wealth through online investment became a beacon of hope for me during a particularly challenging time in my life. After losing my job due to company downsizing, I found myself in a race against time to find ways to generate income. That’s when I stumbled upon an advertisement for a trading platform that claimed to turn small investments into gigantic profits. Initially, I dismissed it as just another scam. However, curiosity got the better of me. Soon enough, I found myself immersed in the world of online trading, enamored by the excitement of potential financial freedom. It felt exhilarating and terrifying all at once, but the thought of regaining control over my financial situation pushed me forward. For a brief moment, I watched my investments flourish, and the initial returns were rewarding. The dashboard showed growth that felt over the top exhilarating until, of course, it wasn’t. Things started to go downhill rather quickly. My withdrawals were denied for security reasons more times than I could count. Communication with customer service, which had been relatively smooth initially, devolved into frustrating silence. Realizing I may have fallen victim to a scam, I began researching more fervently. It wasn’t long before I discovered online forums filled with people sharing harrowing experiences similar to mine. I was devastated, feeling foolish for having trusted the aggressive marketing and persuasive tactics employed by the scammers. I sought out JETHACKS RECOVERY CENTRE service that specialized in scams like this. With their guidance, I provided the necessary details and started the process of tracing my funds. It was a frustrating and painful journey, there were moments when I doubted whether I’d ever see my money again and after 3 days of relentless effort, I finally saw my funds returned to my account. The emotional scars remain, but the experience transformed my perspective on online investing. Today, I try to participate in online discussions to provide support for fellow victims and share tips on recouping potential lost investments through the service of JETHACKS RECOVERY CENTRE, you can consult the team with the below contact support details;
    Email support @ JETHACKS 7 @ GMAIL . COM
    Telegram support @ JETHACKSS

  36. Coralie Rivers
    16th September 2024 / 9:42 am

    Learning from our mistakes is essential, and it’s important not to dwell on them for too long. Holding onto regret without seeking resolution only adds to our burdens. My most significant mistake was trusting an investment offer from a trader who contacted me via Facebook. This decision nearly cost me everything I had worked for throughout my life. Fortunately, the experts at the VIRTUALHACKNET RECOVERY AGENCY came to my rescue.
    This specialized team of hackers is renowned for their ability to recover assets lost through investment scams. Despite trying several other recovery services, none were successful. Some took my money and disappeared, leaving me disheartened. However, reaching out to the VIRTUALHACKNET RECOVERY TEAM via their official email, VIRTUALHACKNET/@/GMAIL/COM, changed everything resulting to the full recovery of my assets that were held by the scam company .
    Within three days of their intervention, the fraudulent company attempted to contact me regarding the recovered funds. Thanks to the team’s assistance, I was able to block their attempts and secure my email, though I had to change my phone number as well to avoid any further communications . The VIRTUALHACKNET RECOVERY AGENCY fought on my behalf and ensured I regained my lost assets ,and that ; I will forever be grateful for.
    My initial attempts at recovery did not succeed, but persistence was key. I’m deeply grateful that I did not give up, as I would not have achieved such a successful outcome without the agency’s help. If you need assistance to get out of a similar situation, I strongly recommend reaching out to this agency. Their expertise in crypto recovery makes them a reliable choice for anyone needing assistance with asset recovery.

    You can also reach out to them on Telegram using their official username, *VIRTUALHACKNET*, to initiate your recovery process

  37. Maria Henry
    17th September 2024 / 10:49 pm

    It’s been 9 years since i have been working here in the United State as a Nurse, I always like using Instagram to while away time for myself and I came in contact with a guy called Qin on Instagram he’s Asian american, the guy was really awesome and he told me he was into broker trading that I could invest little with $5,000 and within a year i will have enough to buy myself a home and a hospital, so i decided to invest but after 8 months I tried to withdraw and i was asked for more and all this while he encouraged me to keep investing and i had already invested 206k USD with him on his broker platform and we started dating so that really makes me confident in him but it was too late to know I have been scammed after he successfully reap me and put me in a debt of $459k. The night I was to end it all I came across an article online about jamesmckaywizard on how him and his team have been helping people like myself who have been a victim of scam or online blackmail, i didn’t hesitate but took my time to ask about him from those people testifying about him. After which I contacted them firstly, they talked to me and i was calm and he asked me about all the transaction details which i gave them’ in less than 48hrs my hope to life was fully restored back i got all the money and interest which i invested and also Mr. Qin was traced and arrested. I strongly recommend them to anyone in need, this is the right platform for you, you can reach out to them on // jamesmckaywizard at gmail dot com or WhatsApp +31622647750.

  38. Darkman Cole
    17th September 2024 / 10:50 pm

    Bitcoin and other cryptocurrency scams are becoming rampant as the day goes by. One should be careful when dealing with people online especially when it has to do with your funds. Getting back your stolen bitcoins is very easy but there are also alots of fraudulent recovery firms out there so you need to be careful not to end up being defrauded again. Jamesmckaywizard is the most trusted and reliable recovery firm online. They are the best recovery firm out there now. They are very fast and efficient in the recovery of your funds. To contact them ON EMAIL:jamesmckaywizard at gmail dot com or WhatsApp +31622647750. You can simply send an email and you will be helped to recover 100% of you lost funds- I was able to recover all of my stolen bitcoins. They provide excellent service..

  39. Malik Ibrahim
    17th September 2024 / 10:50 pm

    To everyone who has been a victim of cryptocurrency binary investment scams currently going on right now accross the globe. I was a victim of it and I was ashamed of how I lost 807,000 Dirhams to these people pretending to be forex and binary traders. My family almost left me and I was going to lose everything until I came across a review online about jamesmckaywizard online on how he has been helping people in recovering cryptocurrency funds from these scammers. This special group of professional tech team was able to recover my money within 8hours. I’m really glad such a group exists and I’m happily sharing this out there with anyone who needs their service to recover their money. You can contact them at Email:jamesmckaywizard at gmail dot com or what’sapp +31622647750.

  40. Andre Burleigh
    19th September 2024 / 8:19 am

    When it comes to sensitive financial matters like Bitcoin recovery, trust and confidentiality are of utmost importance. Imagine sending $76,000 worth of Bitcoin to a wrong address and watching that asset disappear before your eyes. Many victims of online crypto investments who simply wanted to earn some extra money besides their daily work by doing something else to get more money and who fell victim to online scams know the feeling of losing such money. The good news is that the ICC recovery service is just a chat away. The ICC team is a lifesaver in the recovery industry. I had given up all hope of ever getting my lost Bitcoins back, but thanks to their quick and efficient actions, I was able to recover everything. The feeling of losing something so valuable is indescribable. I was frustrated, angry, and desperately looking for a way to undo the damage. Dealing with the loss of assets like BTC and other financial assets comes with a rollercoaster of emotions as mistakes are costly when navigating the murky waters of the internet in search of a reliable recovery company. Working with ICC Recovery Services helped me gain valuable knowledge as they kept me updated on the latest threats, ways to protect my investments, and trends in the industry. Through my work with them, I understood that they are committed to providing the highest level of security and protection to digital asset traders and investors worldwide. Their client testimonials and success stories are a powerful testament to their reliability, knowledge, and commitment to helping people overcome the difficulties caused by compromised wallets and lost transactions. I was overwhelmed when my lost assets were recovered within 72 hours of confirming the service fees I paid. Their services and communication are timely. They are a great team of professionals dedicated to taking the burden off your shoulders. If you are not sure which data recovery service to choose, contact ICC Recovery Service for your recovery needs.
    Below are the ICC contacts:
    Email: (ironcladcyber@techie.com), What/App: (+1-623-688-8815), Email: (Ironcladcyberrecovery@gmail.com)

  41. 21st September 2024 / 1:43 pm

    $75,000 i invested in Bitcoin through a platform called Coin Flip Trade, believing it to be a promising investment opportunity. However, just as I was ready to withdraw my return on investment (ROI), I discovered I had been scammed. The funds I had carefully invested were stolen, and the platform’s support was unresponsive.The stress and frustration of being defrauded were overwhelming. It felt like a significant personal and financial setback. I was at a loss for how to recover my funds, and the situation seemed dire. This is where Jim from Hack Savvy Tech stepped in and truly made a difference.After hearing about Jim’s reputation for handling such cases, I reached out to him, hoping for some form of resolution. The process took two weeks, which, given the nature of the situation, felt like an eternity. Throughout this period, Jim was incredibly dedicated and persistent. He kept me informed about the progress and worked tirelessly to track down and recover my stolen funds.Hack Savvy Tech approach was methodical and thorough. He navigated through the complex web of financial transactions, liaised with various parties involved, and employed advanced techniques to trace and reclaim the lost money. There expertise in dealing with fraudulent cases was evident, and his efforts were instrumental in recovering the entire amount that had been stolen from me.Once the funds were recovered, the sense of relief and validation was immense. It was a tough journey, but thanks to Jim’s professionalism and commitment, I was able to regain what I had lost. This experience taught me a crucial lesson about the importance of diligence when investing online. It’s vital to verify the legitimacy of investment platforms and to remain cautious to avoid similar pitfalls in the future.For anyone reading this who might find themselves in a similar situation, I cannot recommend Jim from Hack Savvy Tech enough. There support was invaluable, and his skills in recovering lost funds are exceptional. If you have been scammed or are facing difficulties in reclaiming your money, reaching out to a reliable and experienced recovery expert like Jim could be your best option.While my experience with Coin Flip Trade was deeply unsettling, the recovery of my funds through Hack Savvy Tech help restored my faith. Remember to always exercise caution in online investments and seek professional assistance if needed. Hack Savvy Tech expertise not only helped recover my money but also provided me with a sense of closure and reassurance in dealing with such complex issues.

    CONTACTS BELOW: 
    mail: contactus@hacksavvytechnology.com
    Website: https://hacksavvytechrecovery.com
    Whatsapp : +79998295038

  42. John Wallace
    21st September 2024 / 9:14 pm

    As digital assets continue to revolutionize the financial world, safety measures become more and more important. From mysterious hacks to user error, forgotten passwords, and lost private keys, there are many ways to lose valuable assets if you do not follow security trends carefully. If these valuable assets are lost or stolen in a well-orchestrated scam, they are still recoverable, but difficult to identify and get back without the help of recovery experts like ICC Recovery Services. In my case, after reading reviews and recommendations on search engines, I interacted with ICC Services, and we immediately hit it off. They collected and analyzed my data and initiated CEX-CEX recovery. I was surprised and thrilled when I was informed that my assets were available within 72 hours of the operation. Their service and communication were timely. If you are not sure which data recovery service to choose, it is worth a try. Contact ICC Services for your recovery needs. ICC can be contacted as follows:
    Email: (ironcladcyber@techie.com), What/App: (+1-623-688-8815), Email: (Ironcladcyberrecovery@gmail.com)

  43. 23rd September 2024 / 7:52 pm

    I’m very happy to share about Recovery Nerds and their wonderful service in helping me recover my cryptocurrency. At first, I was very skeptical about their service especially since I lost all my entire savings to a fake crypto investment account. I’m grateful I stumbled upon Recovery Nerds who was able to recover my stolen crypto funds within 48 hours. Their service is amazing and they are very professional. I’m highly impressed and I recommend their service to everyone who wishes to recover their cryptocurrencies and unlock their crypto accounts. You can reach Recovery Nerds via the following EMAIL: ( mailus@recoverynerds. com ) WHATSAPP: ( +1 (514) 312-2803 )

  44. Morgan Atkinson
    1st October 2024 / 8:19 pm

    Losing my retirement savings to a scam was devastating. But thanks to IRONWEB RECOVERY FIRM, I got back what I lost. I hope sharing my story helps others avoid the same fate and understand that recovery is possible. After working for over 30 years as an engineer, I retired in 2022 with a modest savings cushion. My wife and I had plans for how we would spend our retirement, but I wanted to make sure our savings would last. That’s when I started looking into alternative investments, especially cryptocurrency. I thought I could grow our savings while still being cautious. I came across a company that seemed to specialize in cryptocurrency investments. They had a website, testimonials, and an advisor named Adam who showed me a demo account where I saw supposed profits accumulate in real time. It all looked legitimate, so I decided to start with an investment of $50,000. Eventually, I invested a total of $120,000 within a period of 2 months. But when I tried to withdraw a decent portion of my supposed profits, I ran into problems. My withdrawal requests were denied, and Adam stopped responding to my calls and emails. I quickly sprang into action trying to figure out if there was any way to recover the money. That’s when I found IRONWEB RECOVERY FIRM. The process wasn’t quick, and it took a few back-and forth communication. They started by tracing the transactions, It was complicated and I wasn’t sure it would work. But morning of the 3rd day of recovery, IronWeb Team successfully recovered my entire earnings with the company. The relief I felt was indescribable. I have learnt some hard lessons through this experience. First, no matter how convincing an investment opportunity seems, you have to do your research and be wary of anything that promises guaranteed returns. Second, Scammers prey on people like us looking for ways to secure their futures. If you’ve been scammed, there are professionals out there who can help you recover your assets but it requires patience and trust in the process. I contacted the team on IRONWEBBTEAM @ GMAIL . Com but they also operate on Telegram with the username @ IRONWEBB

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