Holly Mckay
Holly MackayFounder and CEO
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    6 Nov, 1970

    ISA,GIA and SIPP offer available on Freetrade*

    Sign up to Freetrade via the promotional link and get a free share worth £10 to £100. To qualify, open a new account and fund your account with at least £50 (net). Your free share is usually revealed within 7–10 days after funding.

    Your capital is at risk. The value of investments can go down as well as up and you may get back less than you invest. Free share eligibility is limited to new customers only and requires a minimum net deposit of £50. Free share value is randomly assigned and cannot be guaranteed. *T&Cs apply. This offer is available to new Freetrade customers only.

    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.

    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.