Holly Mckay
Holly MackayFounder and CEO
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    6 Nov, 1970

    ISA,GIA & SIPP offer available on IG*

    Earn up to £200 cashback on your investments

    Open a standard GIA, ISA, or SIPP using code CASHBACK200 by 30 Mar 2026. Invest at least £100 and keep your portfolio active until 30 Jun 2026. You’ll earn 5% cashback on the daily average invested value. (Smart Portfolios excluded). Cashback will be credited to your account by 31 Jul 2026.

    UK residents 18+ only. New clients only. One promotion per person. Cannot be combined with other IG offers. Your capital is at risk. Fees and charges apply. Value of investments can go down as well as up. T&Cs apply.

    ISA,GIA & SIPP offer available on IG*

    Transfer investments and receive up to £3,000 cashback

    Open a standard GIA, ISA, or SIPP using code TRANSFER3K and submit your transfer form by 5 Apr 2026. Transfers must complete by 31 May 2026. Keep at least one open position until 31 Oct 2026 to qualify. Earn 1% cashback on the net value of your qualifying transfer, up to £3,000. Cashback will be credited to your account by 30 Nov 2026.

    UK residents 18+ only. New clients only (no previous IG account before 31 Jan 2026). One promotion per person. Cannot be combined with other IG offers. Your capital is at risk. Fees and charges apply. Value of investments can go down as well as up. T&Cs apply.

    ISA offers on Fidelity

    Transfer or deposit at least £50,000 into a Fidelity Stocks & Shares ISA and get cashback to help you reach your financial goals faster.

    The cashback value is based on the total amount added to your ISA account.

    Apply by 5 Apr ’26. Exclusions,*T&Cs apply. Capital at risk. Transferring is not right for all. ISA rules apply.

    SIPP offers on Fidelity

    Transfer or deposit at least £50,000 into a Fidelity SIPP and get cashback to help you reach your financial goals faster.

    The cashback value is based on the total amount added to your SIPP account.

    Apply by 5 Apr ’26. Exclusions,*T&Cs apply. The offer ends on 5 April 2026. Capital at risk. Transferring is not right for all. SIPP rules apply.

    ISA,GIA & SIPP offer available on IG*

    Earn up to £200 cashback on your investments

    Invest at least £100 and receive 5% cashback, capped at £200 per client

    Open an IG Share Dealing Account (GIA, ISA, or SIPP) and invest by 13 Mar 2026 using code CASHBACK200. Maintain an active portfolio for 3 months to qualify. Cashback will be paid to eligible clients in June 2026.

    *Your capital is at risk. UK residents aged 18+ only. New clients only. One promotion per person. Cannot be combined with other IG promotions. Fees and charges apply. Value of investments can go down as well as up. T&Cs apply.

    ISA,GIA & SIPP offer available on IG*

    Transfer investments and receive up to £3,000 cashback

    Open an IG Share Dealing Account and submit a completed transfer form by 5 Apr 2026 using code TRANSFER3K. Your qualifying transfer must complete by 30 Apr 2026. Keep at least one open position for 6 months after completion. Cashback is paid by 30 Nov 2026 (maximum £3,000).

    Your capital is at risk. UK residents aged 18+ only. New share dealing customers only. One promotion per person. Offer cannot be combined with other offers. Fees and charges apply. Value of investments can go down as well as up. T&Cs apply.

    Regular cash savers are putting away £273 a month. Investors, £344. That's not a wealth gap – that's a knowledge gap.

    What are the features cash savers say make it easier to start investing?

    • Start small: 83% of savers say they’d be more likely to invest if they could start with as little as £1–£50 per month

    • Keep it simple: ~45% want flexibility, transparency and simplicity

    • Confidence: 43% want a step-by-step guide

    Every investor starts somewhere. Small steps, big impact.

    Regular cash saver = Respondents who said they 'do not currently have investments but are open to investing in the future' and who are regularly making contributions to cash savings account or ISA.

    *Source: BlackRock Bridging the gap: From saving to investing, 2025

    READ THE FULL STUDY

    Ready to Turn Risk into Opportunity?

    The Bridging the gap study by BlackRock reveals that 69% of savers say they don't like taking chances with their money, while 49% prefer lower returns in exchange for safety. But not investing carries its own risks?

    Here's the reality: £1 invested in the S&P 500 in 2000, with £30 added monthly, would have grown to over £33,000 by 2025. The same contributions to a savings account? Just £12,260. That's nearly triple the return – simply by understanding and managing investment risk rather than avoiding it entirely.

    The truth is, inflation silently erodes cash savings over time. While investment risk feels immediate and controllable, the gradual loss of purchasing power often goes unnoticed until it's too late.

    Risk doesn't have to mean feeling out of control. With the right tools – like risk-profiling questionnaires and investment calculators – you can make informed decisions that balance potential rewards against your comfort level. When properly understood, risk becomes a tool for long-term financial growth.

    The question is which risks serve your future best.

    READ MORE

    Important stuffHolly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice. For every story on this website about a good investment, or something which went up by 10% or made someone £200, we could also share a story about a bad investment, something which fell in value or lost someone £200. We aim to provide general information and pointers – and btw we are totally agnostic about which providers you might pick – but if you have complex affairs, want personalised advice or need specific recommendations, please look at advice pages and see if regulated digital or traditional financial advice would be the best solution for your needs. Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
    InformationHistorically, money invested for more than five years grows more than cash savings. Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change.
    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.