A significant majority of UK investors are planning to increase their investment contributions in the coming year, signalling a resilient confidence in long-term financial markets despite ongoing global uncertainties.
Investor Intentions Defy Market Challenges
Research commissioned by Scottish Widows indicates that nearly two-thirds (62%) of investors with at least £100,000 in assets intend to put more money away in 2026. The survey, which polled over 1,000 UK investors with a pension and minimum investable assets of £100,000 in July 2025, found that more than a fifth (23%) plan a significant portfolio boost.
On average, those looking to invest more aim to increase their portfolios by £33,698. In contrast, just under a quarter (24%) will maintain their 2025 investment levels, while 8% plan to invest less. Approximately 6% of respondents were uncertain about their plans.
The Advice Gap: A Clear Divide in Confidence
The findings reveal a pronounced difference between investors who receive professional guidance and those who do not. Nearly three-quarters (74%) of advised investors plan to increase their investments, with an average planned increase of £38,983—over £5,000 more than the overall survey average.
Motivations also diverged. More than half (54%) of advised investors cited an expectation of better market returns as their primary driver for investing more, compared to just over a third (36%) of non-advised investors.
Jenny Davidson, intermediary wealth director at Scottish Widows, commented on the trend: "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." She emphasised that the findings "demonstrate the critical role advisers play in helping clients build long-term wealth."
Regulatory Changes Aim to Bridge the Advice Gap
The survey's insights come as the Financial Conduct Authority (FCA) prepares a significant regulatory shift. The introduction of 'targeted support' from April 2026 will allow firms to offer specific suggestions to help consumers make better-informed investment and pension decisions.
The FCA believes this 'game-changing' move could help up to 18 million people over the next decade, potentially shrinking the advice gap. Firms must ensure recommendations are suitable and leave consumers in a better position.
Davidson noted that "financial education and guidance is set to become increasingly accessible in 2026," with a focus on harmonising regulated advice, guidance, and technology.
Despite the optimistic outlook for 2026, investors remain cautious. The survey identified concerns about a potential global slowdown and continued geopolitical disruption, alongside factors like US tariffs and changes in government, as influences on portfolio movements in 2025. Nevertheless, nearly half (47%) of investors still managed to increase their investments in 2025.
The full Scottish Widows investor confidence barometer report is scheduled for publication in January 2026.
