New research indicates a strong appetite for investment among UK savers in the coming year, with a significant majority planning to increase their contributions despite ongoing market volatility.
Investor Confidence Defies Geopolitical Headwinds
A survey commissioned by Scottish Widows has found that nearly two-thirds (62 per cent) of investors with at least £100,000 in assets intend to put away more money in 2026. This bullish sentiment persists even after a year marked by challenges including US tariffs, geopolitical disruption, and changes in government, which have prompted portfolio adjustments.
The research, conducted by Censuswide in July 2025 and involving over 1,000 UK-based investors, reveals that more than a fifth (23 per cent) aim to bolster their holdings significantly. On average, those planning to invest more will increase their portfolios by £33,698.
"Global events have resulted in 2025 being a bumpy ride but despite this the data tells us time and again that investors with a long-term strategy generally reap the rewards of their patience," said Jenny Davidson, intermediary wealth director at Scottish Widows.
The Advice Advantage: A Clear Divide in Investor Behaviour
The findings highlight a pronounced difference between investors who receive professional financial guidance and those who do not. Nearly three-quarters (74 per cent) of advised investors plan to invest more next year, committing an average of £38,983 – over £5,000 above the survey average.
Furthermore, the motivation for investing varies. More than half (54 per cent) of advised investors increasing their contributions cited an expectation of better market returns, compared to just over a third (36 per cent) of non-advised investors.
"Our findings underline notable differences between investors actively working with a financial adviser and those who aren’t," Davidson added. "With those benefiting from financial advice more confident and planning to invest more in the new year, it demonstrates the critical role advisers play."
While the majority are optimistic, some caution remains. Concerns about a potential global slowdown and continued geopolitical instability were noted by respondents. The survey also found that 24 per cent plan to invest the same amount as in 2025, eight per cent will invest less, and around six per cent were unsure.
Regulator Steps In to Bridge the Advice Gap
The research comes as the Financial Conduct Authority (FCA) prepares measures to help millions of people with their investment and pension decisions. The regulator recently outlined plans for a "significant" introduction of targeted support, which could assist at least 18 million people over the next decade.
This new framework, with a provisional start date of April 2026, will allow firms to make specific suggestions to consumers, provided they are suitable and put the individual in a better position. The FCA stated it will swiftly authorise firms ready to offer this support.
This initiative is designed to shrink the so-called "advice gap." Current FCA data suggests around 7 million adults in the UK with £10,000 or more in cash savings might be missing out on potential investment benefits.
Davidson noted that regulatory changes and technological advances should make financial education more accessible in 2026. "The focus will be on making sure that regulated financial advice, guidance and technology can work in harmony to close the sizeable advice gap," she said.
The full Scottish Widows investor confidence barometer report is scheduled for publication in January 2026. Investors are reminded that the value of investments can fall as well as rise and may not outperform cash savings over all periods.
