{"id":569596,"date":"2025-11-28T16:25:48","date_gmt":"2025-11-28T16:25:48","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=569596"},"modified":"2025-12-11T11:56:16","modified_gmt":"2025-12-11T11:56:16","slug":"only-35-of-brits-would-invest-their-savings-if-the-cash-isa-limit-is-cut","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/media\/only-35-of-brits-would-invest-their-savings-if-the-cash-isa-limit-is-cut","title":{"rendered":"Only 35% of Brits would invest their savings if the Cash ISA limit is cut"},"content":{"rendered":"<p><b>28 October 2025, LONDON \u2013<\/b><\/p><p>Finder asked the British public:<\/p><p>&#8216;If the Cash ISA limit was cut, and you had extra savings to use elsewhere, what would you do with the surplus?&#8217;<\/p><ul><li>Save it into a non-ISA savings account &#8211; 26%<\/li><li>Invest it in a Stocks &#038; Shares ISA &#8211; 20%<\/li><li>N\/A \u2013 there is nothing specific I would do with this &#8211; 18%<\/li><li>Invest it in Premium Bonds &#8211; 16%<\/li><li>Invest it outside of an ISA &#8211; 15%<\/li><li>Spend it &#8211; 10%<\/li><li>N\/A &#8211; I don&#8217;t know what Cash ISAs are &#8211; 9%<\/li><\/ul><p><b>George Sweeney DipFA, investing expert at the personal finance comparison site, Finder, said:<\/b><\/p><p>&#8220;It was met with plenty of backlash, but trying to encourage Brits to invest more and get better returns is a commendable end point that I agree with. However, I don\u2019t think that cutting the cash ISA allowance paves the way to this result. Our research shows that only around a third (35%) said they\u2019d invest their money if the cash ISA allowance was reduced. 1 in 10 (10%) said they would spend the money they currently keep in a <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/cash-isas\">cash ISA<\/a> instead.<\/p><p>&#8220;A large reason for this is that plenty of people don\u2019t feel confident enough about the prospect of investing. We found only 1 in 5 Brits (20%) currently invest in the stock market. When asked why this was the case, the main reason was that a quarter (25%) think it\u2019s too risky. <\/p><p>&#8220;Unfortunately, tinkering with the ISA allowance isn\u2019t going to lead to the cultural and behavioural change necessary that would lead to more Brits investing. Instead, we need better financial education for adults and the younger generation about the possible long-term benefits of investing. <\/p><p>&#8220;The only result I see coming from this change is that it\u2019s going to create another unneeded level of ISA complexity that will be a pain point for both the public and platforms to keep on top of, while having a marginal impact on actually encouraging people to <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/best-trading-apps\">invest more<\/a>. The potential risks of fiddling with the ISA allowances and rules far outweighs the slim chance this change leads to Reeves\u2019 intended outcome.&#8221;<\/p>","protected":false},"excerpt":{"rendered":"<p>Our research shows that only around a third (35%) said they\u2019d invest their money if the cash ISA allowance was reduced.<\/p>\n","protected":false},"author":1312,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3788],"tags":[],"asset_tag":[],"class_list":["post-569596","post","type-post","status-publish","format-standard","hentry","category-media"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - 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