Holly Mckay
Holly MackayFounder and CEO
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    6 Nov, 1970

    Pension transfer offer:
    J.P. Morgan Personal Investing*

    Get rewarded when you transfer your pension to J.P. Morgan Personal Investing.

    Earn £50–£2,000 cashback or collect 5,000–200,000 Avios when you transfer £5,000–£200,000 during the offer period from 1 September to 26 November 2026.

    Capital at risk.Terms apply. Investing involves risk. £5k min transfer. Initiate by 26.11.26 and keep invested from 27.11.26 until 26.11.27. Pension rules and T&Cs apply. Compare existing benefits and fees before transferring.

    £100 cash reward on J.P. Morgan Personal Investing*

    Invest £1,000 and get a £100 cash reward.

    Get £100 cash when you invest £1,000 or more in an eligible J.P. Morgan Personal Investing product while the offer is live.

    Capital at risk.Terms apply. Investing involves risk. £1k minimum investment. Register for the offer and invest £1,000 or more in one payment. Keep at least £1,000 invested for 6 months or more. Eligible products include a General Investment Account, Stocks & Shares ISA, Lifetime ISA, Junior ISA or Personal Pension. Eligibility criteria and T&Cs apply.

    Investing in Infrastructure

    3i Infrastructure Investment Trusts

    In a nutshell

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    Access a very concentrated small list of privately-held companies

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    Helpful microsite/digital-first communications

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    Interactive and engaging reports

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    3i Infrastructure Investment Trusts

    3i Infrastructure Investment Trusts

    3i Infrastructure Investment Trusts

    ISA and GIA offer available on IG*

    Get 1% cashback on qualifying transfers, up to £300.

    Your capital is at risk. Offer valid from 7 August 2026 until 30 September 2026. *Terms apply. Available to new UK customers opening an IG Stocks & Shares ISA or General Investment Account (GIA) only. SIPPs are not eligible. A minimum transfer of £10,000 is required. Transfer must be completed by 30 November 2026. Apply using promo code TRANSFER300. Cashback is calculated at 1% of your net Qualifying Transfer value, up to a maximum of £300. You must maintain at least one open position until 31 March 2027. This offer applies to transfers of investments only; cash transfers are not eligible. Cashback will be credited to your GIA account by 30 April 2027. Cannot be used in conjunction with other promotions, incentives or promotional codes. Terms apply.

    ISA,GIA and SIPP offer available on IG*

    Invest £500 or more and get up to £1,000 in bonus shares

    Your capital is at risk. Offer valid until 30 September 2026. *Terms apply. New UK customers only, or existing customers contacted directly by IG. Available when opening a Share Dealing Account (GIA, ISA or SIPP). Invest at least £500 during the promotional period using promo code SHARES1000 to qualify. The reward is a randomly allocated bundle of US-listed shares worth between £50 and £1,000. You must maintain an average of at least £500 invested from 1 October to 31 December 2026. The bonus shares will be credited to a GIA by 31 January 2027. W-8BEN form must be submitted by 30 November 2026. Cannot be used in conjunction with other promotions.

    ISA and GIA 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.

    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 37 Lombard Street, London, EC3V 9BQ.
    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 37 Lombard Street, London, EC3V 9BQ.