The data is clear: the UK’s investment landscape is too complex, leaving average savers without the advice they need to strengthen their finances.

Our latest report sets out recommendations to make savers – and the economy – better off.

Read: 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’

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.

You can read Gideon and John’s report, A Nation of small investors, below: buff.ly/wGQmbSF  

With thanks to our partners at PIMFA

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

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.

Why is this the case? 🤔

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. 📉