The 43p portfolio
A £2.57 coffee becomes £3.00, and the 43p difference goes to work in a fund of your choosing. On its own, laughable. Multiplied by every card payment you make for a decade, genuinely not.
Micro‑investing works because it removes the decision. Nobody misses the spare change, so nobody stops contributing when the news gets scary.
The boring maths
Average round‑up of 40p, twenty card payments a week, seven percent annualised: after ten years that’s roughly £6,000 you never noticed saving. Compounding doesn’t need drama. It needs time.