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Almost two-thirds (62%) of traders with a minimum of £100,000 in belongings plan to extend the quantities they put away in 2026 regardless of market uncertainties, a survey signifies.
Greater than a fifth (23%) mentioned they may look to bolster their portfolio considerably, in line with the analysis for Scottish Widows.
Regardless of market challenges, these intending to speculate extra within the yr forward plan to extend their portfolios by £33,698, on common.
The analysis additionally discovered that just below 1 / 4 (24%) of traders will put away the identical quantity as in 2025, and eight% will make investments much less. Round 6% of individuals had been uncertain of their plans.
The figures had been launched forward of the publication of Scottish Widows’ investor confidence barometer report in January 2026.
The analysis discovered that US tariffs, geopolitical disruption and modifications in authorities have been behind some actions in traders’ portfolios.
Nonetheless, almost half (47%) of traders mentioned they’d elevated the quantity they put away in 2025.
Whereas nearly all of these surveyed wish to make investments extra in 2026, some are treading cautiously.
Issues a few potential world slowdown and continued geopolitical disruption had been among the many considerations highlighted within the survey.
The analysis additionally indicated variations between suggested and non-advised traders. Almost three-quarters (74%) of suggested traders plan to extend the quantity they make investments, by a mean of £38,983 – simply over £5,000 greater than the survey common of £33,698.
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Greater than half (54%) of suggested traders who’re planning to place away extra in 2026 mentioned this was pushed by an expectation of higher market returns, in contrast with simply over a 3rd (36%) of non-advised traders.
Jenny Davidson, middleman wealth director at Scottish Widows, mentioned: “International occasions have resulted in 2025 being a bumpy trip however regardless of this the info tells us again and again that traders with a long-term technique usually reap the rewards of their persistence. With all that is occurring on the earth, that lesson is as well timed as ever.
“Our findings underline notable variations between traders actively working with a monetary adviser and people who aren’t. With these benefiting from monetary recommendation extra assured and dedicated to investing extra within the new yr, it demonstrates the important function advisers play in serving to shoppers construct long-term wealth.
“Modifications in regulation and the brand new advances in know-how imply that monetary schooling and steering is about to develop into more and more accessible in 2026. Wanting forward, the main target shall be on ensuring that regulated monetary recommendation, steering and know-how can work in concord to shut the rising recommendation hole.”
The Monetary Conduct Authority (FCA) lately mentioned that a minimum of 18 million individuals may very well be provided further assist with their investments and pensions over the following decade with the “game-changing” introduction of focused help.
It would imply companies could make particular ideas to customers to assist them make better-informed choices about what to do with their cash.
Companies will want to ensure the suggestions are appropriate and may solely be provided once they put individuals in a greater place, the regulator mentioned.
It’s thought that the modifications might assist to shrink the “recommendation hole” and empower extra individuals to make the fitting monetary choices for his or her wants.
The regulator mentioned companies which might present they’re prepared, keen and organised to undertake focused help shall be authorised swiftly after the provisional go-live date in April 2026.
The worth of investments can go down in addition to up, though some investments might outperform financial savings held in money over the long run.
In response to FCA information, round seven million adults within the UK with £10,000 or extra in money financial savings may very well be lacking out on the advantages of investing all through their lives.
Scottish Widows commissioned Censuswide to hold out a survey of greater than 1,000 individuals throughout the UK with a minimal of £100,000 in investable belongings, who’ve a pension, in July 2025.
