š¬ āCan Compounding Really Make That Much of a Difference?ā ā A Sit-Down with NexxtGen Markets Founder Steve Halls šā³
- NexxtGen Markets
- Apr 9
- 3 min read

Itās a question that comes up time and again in investor circles, from beginners to veterans:āCan compounding really make that much of a difference over time?ā
To get the answer, we sat down with Steve Halls, founder of NexxtGen Markets, long-time investor, and a firm believer in disciplined, long-term strategy. What followed was a masterclass in the power of patience, perspective, and financial precision.
š£ļø The Interview: Compounding ā A Quiet Superpower
Steve, letās get straight to the point. Can compounding reallyĀ make that much of a difference over the long run?
Steve Halls: Absolutely. Itās not a matter of opinionāit's mathematical certainty.Ā The problem is, compounding is slow to impress. Itās like watching paint dry in the first few years, but over time, the results become extraordinary. The trick is surviving the early boredom and resisting the urge to meddle with the process.
š The Einstein of Finance
People often quote Albert Einstein as calling compounding āthe eighth wonder of the world.ā Is that just hyperbole?
Steve: Not at all. Whether or not Einstein actually said it is irrelevantāthe logic stands. If you understand compounding, you have an edge. And if you donāt, youāre probably paying it in the form of debt or lost opportunities. The wealthiest individuals and institutions in the world rely on this principle. Why? Because it works.
šø Breaking It Down: A Real-World Example
Steve: Letās use a simple example. Imagine investing Ā£10,000Ā with a 7% annual return. In:
10 years: It grows to ~Ā£19,671
20 years: ~Ā£38,697
30 years: ~Ā£76,123
40 years: ~Ā£149,745
Thatās 15xĀ your money over four decades, without ever adding another penny. Now imagine if youāre adding monthly contributions. The impact is life-changing.
š¦ Time > Timing
So the biggest lesson?
Steve: Time in the market beats timing the market.Ā Everyone wants to find the next hot stock or jump in and out with surgical precision. But the real magic happens when you let time and consistent returns do the heavy lifting.
Itās the difference between being a gambler and being an investor.
š ļø The Discipline of Compounding
Is compounding more about psychology than finance?
Steve: Yes, without a doubt. Youāve got to play the long game. That means resisting fear when markets wobble and greed when they soar. Itās not just about the numbers; itās about sticking to the plan through thick and thin. Thatās what separates successful investors from frustrated ones.
š¬ Mantras to Live By
Steve: Weāve got a few internal mantras at NexxtGen that we drill into our members:
āLet the winners run.ā
āGrowth loves time.ā
āYour future self is depending on your discipline today.ā
These arenāt just slogansātheyāre the philosophy that powers compounding returns.
š± Final Thoughts
Whatās your advice to someone just starting?
Steve: Start. Start with whatever youāve got. Start small. Start scared. But just start. Then stay consistent. If youāre only focused on fast returns, youāll miss out on the kind of wealth that builds itself quietly in the backgroundāuntil one day, it takes over everything else.
Compounding is proof that small, smart decisions made today can rewrite your tomorrow.
š Join Us
Copy our strategies directly at https://bit.ly/nexxtgenmarkets
ā ļø Risk Warning
Trading and investing carry risks. You should seek professional advice before engaging in such activities. Leverage can amplify both gains and losses. Past performance is not indicative of future results. Full risk disclosure: http://nexxtgen.pro/risk
š§¾ NexxtGen Markets partner with eToro and may receive a small commission for anyone joining eToro via our website or socials.

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