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UK Urged to Invest: Millions Miss Out on Better Returns
11 Dec, 2025
Summary
- One in ten UK adults lack any cash savings.
- Seven million UK adults could earn more by investing.
- Many avoid investing due to uncertainty and lack of support.
Millions of individuals in the UK are encouraged to consider investing as an alternative to simply holding cash savings. Regulatory data indicates a significant portion of the population faces financial precarity, with one in ten adults reporting no cash savings and an additional 21% having less than £1,000 available for emergencies.
Analysis suggests that approximately seven million UK adults possessing £10,000 or more in cash savings might achieve better returns through investment opportunities. While investing involves risk, as asset values can fluctuate, the purchasing power of stagnant cash is continuously diminished by inflation.
Many consumers who are financially positioned to invest refrain from doing so due to a lack of clarity on options, feeling overwhelmed, or needing more direct support. Targeted initiatives are being developed to bridge the gap between general guidance and professional, fee-based financial advice.
