Social Market Foundation
@smfthinktank.bsky.social
Britain’s leading cross-party think tank, with a mission to enable markets and government to work together to benefit society.
https://www.smf.co.uk/ | Also on LinkedIn and X (@SMFthinktank)
https://www.smf.co.uk/ | Also on LinkedIn and X (@SMFthinktank)
We are calling on the Government to take further action to make the UK a nation of small investors by:
✅Investing in financial education in schools
✅Creating an AI-driven financial advice service
✅Simplify the ISA regime by merging different types into a single ISA
buff.ly/wGQmbSF
✅Investing in financial education in schools
✅Creating an AI-driven financial advice service
✅Simplify the ISA regime by merging different types into a single ISA
buff.ly/wGQmbSF
November 20, 2025 at 4:03 PM
We are calling on the Government to take further action to make the UK a nation of small investors by:
✅Investing in financial education in schools
✅Creating an AI-driven financial advice service
✅Simplify the ISA regime by merging different types into a single ISA
buff.ly/wGQmbSF
✅Investing in financial education in schools
✅Creating an AI-driven financial advice service
✅Simplify the ISA regime by merging different types into a single ISA
buff.ly/wGQmbSF
Evidence from Canada and Sweden shows that when savers are offered simple, accessible investment options, participation rises – and household finances become more resilient.
Our latest report sets out how the UK can learn from these examples.
buff.ly/wGQmbSF
Our latest report sets out how the UK can learn from these examples.
buff.ly/wGQmbSF
November 20, 2025 at 2:02 PM
Evidence from Canada and Sweden shows that when savers are offered simple, accessible investment options, participation rises – and household finances become more resilient.
Our latest report sets out how the UK can learn from these examples.
buff.ly/wGQmbSF
Our latest report sets out how the UK can learn from these examples.
buff.ly/wGQmbSF
A combination of limited financial education, risk aversion, and complex investment products – such as ISAs – discourages many from investing.
Our latest report sets out how we can make investing easier for households - and boost personal finances.
buff.ly/wGQmbSF
Our latest report sets out how we can make investing easier for households - and boost personal finances.
buff.ly/wGQmbSF
November 20, 2025 at 12:00 PM
A combination of limited financial education, risk aversion, and complex investment products – such as ISAs – discourages many from investing.
Our latest report sets out how we can make investing easier for households - and boost personal finances.
buff.ly/wGQmbSF
Our latest report sets out how we can make investing easier for households - and boost personal finances.
buff.ly/wGQmbSF
£430 billion is held in savings accounts above the recommended limit – meaning households are missing out on higher potential returns.
Our latest report sets out how we can boost personal finances:
buff.ly/wGQmbSF
Our latest report sets out how we can boost personal finances:
buff.ly/wGQmbSF
November 20, 2025 at 10:01 AM
£430 billion is held in savings accounts above the recommended limit – meaning households are missing out on higher potential returns.
Our latest report sets out how we can boost personal finances:
buff.ly/wGQmbSF
Our latest report sets out how we can boost personal finances:
buff.ly/wGQmbSF
Britain is a country of investors – they just don’t know it.
In our latest report, @gideonsalutin.bsky.social and John Asthana Gibson outline how we can strengthen the UK’s retail investment landscape – and deliver a much-needed boost to the wider economy.
buff.ly/wGQmbSF
In our latest report, @gideonsalutin.bsky.social and John Asthana Gibson outline how we can strengthen the UK’s retail investment landscape – and deliver a much-needed boost to the wider economy.
buff.ly/wGQmbSF
November 20, 2025 at 8:00 AM
Britain is a country of investors – they just don’t know it.
In our latest report, @gideonsalutin.bsky.social and John Asthana Gibson outline how we can strengthen the UK’s retail investment landscape – and deliver a much-needed boost to the wider economy.
buff.ly/wGQmbSF
In our latest report, @gideonsalutin.bsky.social and John Asthana Gibson outline how we can strengthen the UK’s retail investment landscape – and deliver a much-needed boost to the wider economy.
buff.ly/wGQmbSF
Financial advice that could help boost savings rates is also increasingly inaccessible. Financial advisors are requiring increased assets in order to offer guidance, increasing the so-called ‘advice gap’
November 19, 2025 at 2:01 PM
Financial advice that could help boost savings rates is also increasingly inaccessible. Financial advisors are requiring increased assets in order to offer guidance, increasing the so-called ‘advice gap’
But why the lack of investment? The FCA highlighted a range of concerns, including worries about losing money, and the complexities of the retail investment landscape.
November 19, 2025 at 2:01 PM
But why the lack of investment? The FCA highlighted a range of concerns, including worries about losing money, and the complexities of the retail investment landscape.
Our new report highlights the challenges of the UK’s investment landscape. But what’does the data say?
Only 8% of household wealth is held directly in UK investments. But this means savers are missing out on growing their savings – with a 20 year old worker, for example, missing out on £30,000.
Only 8% of household wealth is held directly in UK investments. But this means savers are missing out on growing their savings – with a 20 year old worker, for example, missing out on £30,000.
November 19, 2025 at 2:01 PM
Our new report highlights the challenges of the UK’s investment landscape. But what’does the data say?
Only 8% of household wealth is held directly in UK investments. But this means savers are missing out on growing their savings – with a 20 year old worker, for example, missing out on £30,000.
Only 8% of household wealth is held directly in UK investments. But this means savers are missing out on growing their savings – with a 20 year old worker, for example, missing out on £30,000.
We're pleased to see the Government's new Men's Mental Health Strategy recognises the health consequeces of gambling harm
Read the full reaction from @theobertram.bsky.social👇
buff.ly/1Y04VLu
Read the full reaction from @theobertram.bsky.social👇
buff.ly/1Y04VLu
November 19, 2025 at 12:21 PM
We're pleased to see the Government's new Men's Mental Health Strategy recognises the health consequeces of gambling harm
Read the full reaction from @theobertram.bsky.social👇
buff.ly/1Y04VLu
Read the full reaction from @theobertram.bsky.social👇
buff.ly/1Y04VLu
We are calling on the Government to take further action to make the UK a nation of small investors by:
✅ Investing in financial education in schools
✅ Creating an AI-driven financial advice service
✅ Simplify the ISA regime by merging different types into a single ISA
✅ Investing in financial education in schools
✅ Creating an AI-driven financial advice service
✅ Simplify the ISA regime by merging different types into a single ISA
November 19, 2025 at 9:01 AM
We are calling on the Government to take further action to make the UK a nation of small investors by:
✅ Investing in financial education in schools
✅ Creating an AI-driven financial advice service
✅ Simplify the ISA regime by merging different types into a single ISA
✅ Investing in financial education in schools
✅ Creating an AI-driven financial advice service
✅ Simplify the ISA regime by merging different types into a single ISA
It does not have to be this way.
Evidence from Canada and Sweden shows that when savers are offered simple, accessible investment options, participation rises – and household finances become more resilient.
Evidence from Canada and Sweden shows that when savers are offered simple, accessible investment options, participation rises – and household finances become more resilient.
November 19, 2025 at 9:01 AM
It does not have to be this way.
Evidence from Canada and Sweden shows that when savers are offered simple, accessible investment options, participation rises – and household finances become more resilient.
Evidence from Canada and Sweden shows that when savers are offered simple, accessible investment options, participation rises – and household finances become more resilient.
Why is this the case? 🤔
A combination of limited financial education, risk aversion, and complex investment products – such as ISAs – discourages many from investing.
A combination of limited financial education, risk aversion, and complex investment products – such as ISAs – discourages many from investing.
November 19, 2025 at 9:00 AM
Why is this the case? 🤔
A combination of limited financial education, risk aversion, and complex investment products – such as ISAs – discourages many from investing.
A combination of limited financial education, risk aversion, and complex investment products – such as ISAs – discourages many from investing.
In the UK, most people do not invest individually. As a result, around £430 billion is held in savings accounts above the recommended limit – meaning households are missing out on higher potential returns. 📉
November 19, 2025 at 9:00 AM
In the UK, most people do not invest individually. As a result, around £430 billion is held in savings accounts above the recommended limit – meaning households are missing out on higher potential returns. 📉
Britain is a country of investors – they just don’t know it.
In our latest report, @gideonsalutin.bsky.social and John Asthana Gibson outline how we can strengthen the UK’s retail investment landscape – and deliver a much-needed boost to the wider economy.
In our latest report, @gideonsalutin.bsky.social and John Asthana Gibson outline how we can strengthen the UK’s retail investment landscape – and deliver a much-needed boost to the wider economy.
November 19, 2025 at 9:00 AM
Britain is a country of investors – they just don’t know it.
In our latest report, @gideonsalutin.bsky.social and John Asthana Gibson outline how we can strengthen the UK’s retail investment landscape – and deliver a much-needed boost to the wider economy.
In our latest report, @gideonsalutin.bsky.social and John Asthana Gibson outline how we can strengthen the UK’s retail investment landscape – and deliver a much-needed boost to the wider economy.
As the Home Secretary set out changes to asylum and returns policy, SMF Senior Fellow @JTMigratory.bsky.social argued the Govt's Danish-style immigration plans must meet the high expectations they have set.
Read Jonathan's full reaction👇
buff.ly/cWR54us
Read Jonathan's full reaction👇
buff.ly/cWR54us
November 18, 2025 at 4:06 PM
As the Home Secretary set out changes to asylum and returns policy, SMF Senior Fellow @JTMigratory.bsky.social argued the Govt's Danish-style immigration plans must meet the high expectations they have set.
Read Jonathan's full reaction👇
buff.ly/cWR54us
Read Jonathan's full reaction👇
buff.ly/cWR54us
We're still buzzing about @danihpayne.bsky.social winning Researcher of the Year at the Smart Thinking Awards!🎉
Read more about Dani: buff.ly/LLSsmBL
Read more about Dani: buff.ly/LLSsmBL
November 16, 2025 at 5:32 PM
We're still buzzing about @danihpayne.bsky.social winning Researcher of the Year at the Smart Thinking Awards!🎉
Read more about Dani: buff.ly/LLSsmBL
Read more about Dani: buff.ly/LLSsmBL
We're delighted to have been recognised for our work on preventing gambling harm at the Smart Thinking Awards, recieving 'Highly Commended' Campaign of the Year!🥳
November 15, 2025 at 5:27 PM
We're delighted to have been recognised for our work on preventing gambling harm at the Smart Thinking Awards, recieving 'Highly Commended' Campaign of the Year!🥳
We're delighted to have been recognised at the Smart Thinking Awards for our work with Focal Data, recieving 'Highly Commended' Innovator of the Year!🎉
November 14, 2025 at 5:21 PM
We're delighted to have been recognised at the Smart Thinking Awards for our work with Focal Data, recieving 'Highly Commended' Innovator of the Year!🎉
Huge congratulations to @danihpayne.bsky.social for winning the Smart Thinking Awards' Researcher of the Year!🎉
Team SMF is so proud of Dani, and we know she'll continue to make a big impact in the world of education & social mobility.
Team SMF is so proud of Dani, and we know she'll continue to make a big impact in the world of education & social mobility.
November 12, 2025 at 9:08 PM
Huge congratulations to @danihpayne.bsky.social for winning the Smart Thinking Awards' Researcher of the Year!🎉
Team SMF is so proud of Dani, and we know she'll continue to make a big impact in the world of education & social mobility.
Team SMF is so proud of Dani, and we know she'll continue to make a big impact in the world of education & social mobility.
Ahead of tonight's Smart Thinking Awards, we're delighted that @danihpayne.bsky.social has been nominated for Think Tanker of the Year!🎉
November 12, 2025 at 12:04 PM
Ahead of tonight's Smart Thinking Awards, we're delighted that @danihpayne.bsky.social has been nominated for Think Tanker of the Year!🎉
Today's the day!🎉
We're buzzing ahead of tonight's Smart Thinking Awards, where the SMF is a finalist for three awards.
It's safe to say we'll be keeping our fingers crossed!🤞
We're buzzing ahead of tonight's Smart Thinking Awards, where the SMF is a finalist for three awards.
It's safe to say we'll be keeping our fingers crossed!🤞
November 12, 2025 at 9:01 AM
Today's the day!🎉
We're buzzing ahead of tonight's Smart Thinking Awards, where the SMF is a finalist for three awards.
It's safe to say we'll be keeping our fingers crossed!🤞
We're buzzing ahead of tonight's Smart Thinking Awards, where the SMF is a finalist for three awards.
It's safe to say we'll be keeping our fingers crossed!🤞
We're so proud that our own @danihpayne.bsky.social is a finalist for the Smart Thinking Awards' Researcher of the Year!🎉
Dani is our fantastic Head of Education and Social Mobility - working to find policy solutions to make sure everyone has the best start in life.
Dani is our fantastic Head of Education and Social Mobility - working to find policy solutions to make sure everyone has the best start in life.
November 11, 2025 at 6:14 PM
We're so proud that our own @danihpayne.bsky.social is a finalist for the Smart Thinking Awards' Researcher of the Year!🎉
Dani is our fantastic Head of Education and Social Mobility - working to find policy solutions to make sure everyone has the best start in life.
Dani is our fantastic Head of Education and Social Mobility - working to find policy solutions to make sure everyone has the best start in life.
Adapting our research to a changing world is crucial to finding the best policy solutions.
We're proud to be finalists for the Smart Thinking Award's Innovation Award - due to our work with Focal Data to develop & train AI chatbots to carry out qualitative interviews at quantitative scale.
We're proud to be finalists for the Smart Thinking Award's Innovation Award - due to our work with Focal Data to develop & train AI chatbots to carry out qualitative interviews at quantitative scale.
November 11, 2025 at 12:01 PM
Adapting our research to a changing world is crucial to finding the best policy solutions.
We're proud to be finalists for the Smart Thinking Award's Innovation Award - due to our work with Focal Data to develop & train AI chatbots to carry out qualitative interviews at quantitative scale.
We're proud to be finalists for the Smart Thinking Award's Innovation Award - due to our work with Focal Data to develop & train AI chatbots to carry out qualitative interviews at quantitative scale.
We're really looking forward to tomorrow's inaugural Smart Thinking Awards!🎉
It's fantastic to be a finalist for Think Tank of the Year - in recognition of our work in a variety of policy areas as we find solutions to deliver the change the UK needs.
It's fantastic to be a finalist for Think Tank of the Year - in recognition of our work in a variety of policy areas as we find solutions to deliver the change the UK needs.
November 11, 2025 at 9:00 AM
We're really looking forward to tomorrow's inaugural Smart Thinking Awards!🎉
It's fantastic to be a finalist for Think Tank of the Year - in recognition of our work in a variety of policy areas as we find solutions to deliver the change the UK needs.
It's fantastic to be a finalist for Think Tank of the Year - in recognition of our work in a variety of policy areas as we find solutions to deliver the change the UK needs.
Today, the Treasury Select Committee's report on gambling tax is clear - urging the Government to ensure that taxes on online betting games must reflect associated harms.
We are pleased to see the Committee back our calls, and trust that the Treasury will follow suit in the Budget.
We are pleased to see the Committee back our calls, and trust that the Treasury will follow suit in the Budget.
November 7, 2025 at 9:55 AM
Today, the Treasury Select Committee's report on gambling tax is clear - urging the Government to ensure that taxes on online betting games must reflect associated harms.
We are pleased to see the Committee back our calls, and trust that the Treasury will follow suit in the Budget.
We are pleased to see the Committee back our calls, and trust that the Treasury will follow suit in the Budget.