30/03/2026
Listening to our own advice. In celebration of our new offices in Canary Wharf, we now have a state-of-the-art coffee machine, and there lies a lesson in how small daily habits change lives.
With more than 50 advisers using the new kitchen gadget, it was only a matter of time before someone did the Cappuccino maths.
Ok..
👉The average coffee in London now costs around £3.70
👉Five takeaway coffees a week would cost £18.50
👉That’s approximately £74 per month, or just under £900 a year.
👉Invest £74 per month for 5 years and, assuming a 5% annual growth, you could build a pot of around £5,000.
💡Take that £5,000 and invest it for 10 years and, assuming the same modest growth, it could grow to over £8,000.
The exact figure will depend on investment performance, but the principle is clear: small, consistent decisions compound.
These figures are examples only and they are not guaranteed - they are not minimum and maximum amounts. What you get back depends on how your investment grows and the tax treatment of the investment. You could get back more or less than this.
And it’s not just the money. Allow ⏰15 minutes per coffee run:
⏰75 minutes per week
⏰Around 5 hours per month
⏰Roughly 60 hours per year
⏰That’s more than a full working week and a half you’re giving away. What is that worth?😮
For any of our clients, they know that we don’t believe in you giving away all your favourite things for future gain, however….
We do encourage small habits that compound into very welcome investments.
Special thanks to Ben Cartwright for being caught on camera with his first coffee of the day.
Pinnacle Wealth Management LLP is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).
SJP Approved 19/03/2026
