Moneybox Retail Investing Manifesto

We're proud to present our Retail Investing Manifesto, which outlines six policy proposals that we believe will help to take the UK from a nation of savers to a nation of confident investors.

This manifesto calls on the government to double down on making investing as easy as saving.

If done correctly, the opportunity is significant: seven million adults have £10,000 or more sitting in cash savings, and the real-world illustration of findings from Moneybox’s 2026 Financial Confidence Index shows confidence in investing (40%) significantly trails confidence in saving (83%).

Brian Byrnes, our Director of Personal Finance comments - “The policy asks in our manifesto are designed to remove the structural and cultural barriers holding people back, creating a clear pathway to bring millions more people into stocks and shares ISAs by 2035. 

“We know that more of our friends, family, and the general public should be investing, and while great strides have been made with the democratisation of access thanks to technology, there is more that can and should be done to ensure people achieve the resilience and security that investing can bring.”