Holly Mckay
Holly MackayFounder and CEO
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    6 Nov, 1970

    Ready-Made Pension offer available on Hargreaves Lansdown*

    Get zero OCF & platform fees for the 2026/2027 tax year

    Open a Ready-Made Pension Plan between 1 May and 31 July and pay no platform or OCF charges for the 2026/2027 tax year. No account fee applies, and the fund charge will be rebated in the first 10 days of May 2027. This offer is available to new Ready-Made Pension Plan customers only.

    When you select the Ready-Made Pension Plan, your pension is automatically invested in the HL Multi Index Moderately Adventurous Fund while you are more than eight years from retirement. From eight years before your chosen retirement age, it gradually de-risks into the HL Multi Index Cautious Fund to help reduce exposure to higher-risk assets as you approach retirement.

    New Ready-Made Pension Plan customers only. Offer valid for accounts opened between 1 May and 31 July. No OCF or platform fees apply for the 2026/2027 tax year. Fund charge rebate applied in early May 2027. T&Cs apply*.

    ISA & Trading Account offers on interactive investor*

    Get £100 in free trades when you open an ii Stocks & Shares ISA or Trading Account.

    Capital at risk. Offer runs from 1 May to 31 May 2026. *Terms & trading fees apply. Available to new customers opening an ISA or GIA only. Not available to existing customers. No minimum deposit required. £100 free trade credits will be applied to your account within 5 working days of account opening and will expire on 31/12/2026. Cannot be used in conjunction with other offers.

    ISA & Trading Account offers on interactive investor*

    Get £100 in free trades when you open an ii Stocks & Shares ISA or Trading Account.

    Capital at risk. Offer runs from 1 May to 31 May 2026. *Terms & trading fees apply. Available to new customers opening an ISA or GIA only. Not available to existing customers. No minimum deposit required. £100 free trade credits will be applied to your account within 5 working days of account opening and will expire on 31/12/2026. Cannot be used in conjunction with other offers.

    SIPP offers on interactive investor*

    Get £200 cashback when you open an ii Personal Pension (SIPP).

    Capital at risk. Offer runs from 1 May to 31 May 2026. *Terms & trading fees apply. Available to new customers opening a SIPP only. Not available to existing customers. £20,000 minimum deposit required. Funding can be via transfers, contributions, or both. Cashback will be paid within 30 days of qualification. Cannot be used in conjunction with other offers.

    ISA,GIA and SIPP offer available on IG*

    Get up to £5,000 when you transfer your investments to IG

    Transfer your ISA, GIA or SIPP into an IG account and qualify for up to £5,000 in reward tiers when you move your investments. This offer is available for new and eligible transferring clients.

    Open an IG account and transfer in to take advantage of this limited-time offer using code TRANSFER5000.

    New ISA, GIA or SIPP clients and qualifying transfers only. Offer valid for eligible transfers made between 24 April and 31 May. Reward tiers apply depending on transfer value. One promotion per person. Cannot be used in conjunction with other 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 and SIPP offer available on IG*

    Get 2% cashback when you invest £1,000 or more

    Open an IG ISA, GIA or SIPP account and deposit and invest £1,000 or more to receive 2% cashback on your qualifying deposit. This offer is available for new clients investing via ISA, GIA or SIPP accounts.

    Sign up today using code MAYDEPOSIT and start investing.

    New ISA, GIA or SIPP clients only. Offer valid for deposits made between 1 May and 31 May. Minimum qualifying deposit £1,000. Cashback paid subject to eligibility. One promotion per person. Cannot be used in conjunction with other 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 and SIPP offer available on IG*

    Get up to £300 in bonus shares when you invest at least £300

    Open an IG ISA, GIA or SIPP account using code WELCOME300 and start investing today. New clients can receive between £40 and £300 in bonus shares when they invest at least £300.

    New share dealing or Smart Portfolio clients only. Offer valid for ISA, GIA or SIPP accounts. Minimum investment £300. One promotion per person. Cannot be used in conjunction with other offers. Your capital is at risk. Fees and charges apply. Value of investments can go down as well as up. T&Cs apply*.

    ISA & Trading Account offers on interactive investor*

    Get between £100 - £3,000 cashback when you open an ii Stocks & Shares ISA or Trading Account.

    Capital at risk. Offer ends 30th April 2026. *Terms & trading fees apply. New and existing customers opening an ISA or Trading Account. £20,000 minimum deposit required.

    SIPP offers on interactive investor*

    Get between £100 - £3,000 cashback when you open an ii Personal Pension (SIPP).

    Capital at risk. Offer ends 30 April 2026. *Terms & trading fees apply. New & existing customers opening a SIPP. £20,000 minimum deposit required.

    SIPP offer available on Hargreaves Lansdown*

    Open a SIPP and pocket up to £4,000 cashback

    Open a SIPP with the UK’s most popular provider. Leave investing to the experts with a low-effort ready-made plan, or take control and pick your own investments. New client offer: transfer pensions or pay in £10,000+ by 5 April 2026 and get £75 to £4,000 cashback.

    New clients only. Capital is at risk. 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.

    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.