Overview

• Confidence in cash savings rose to 84%, up from 79% in 2024, with only 11% moving money from savings into investments.
• Despite gains in knowledge and experience, 68% of respondents say they pursue a cautious investing strategy.
• Recent actions include 23% maximising end‑of‑year Stocks and Shares ISA contributions, 22% increasing monthly amounts, 14% diversifying, and 11% shifting cash into markets.
• Two‑fifths say learning the basics would help, over a quarter want guidance from a trusted source, nearly 40% fear losses, and a third are uneasy about volatility.
• Moneybox estimates up to £137bn could be unlocked nationally if confidence improves, with younger adults more confident and older cohorts more concerned about major market crashes.