Majority of buyers planning to spice up portfolios in 2026, survey finds

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Your assist makes all of the distinction. Learn extra Practically two-thirds (62%) of buyers with at the very least £100,000 in property plan to extend the quantities they put away in 2026 regardless of market uncertainties, a survey signifies.

Greater than a fifth (23%) stated they may look to bolster their portfolio considerably, based on 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 slightly below 1 / 4 (24%) of buyers will put away the identical quantity as in 2025, and eight% will make investments much less. Round 6% of individuals had been not sure 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 buyers’ portfolios.

Nevertheless, almost half (47%) of buyers stated they'd elevated the quantity they put away in 2025.

Whereas the vast majority of these surveyed wish to make investments extra in 2026, some are treading cautiously.

Issues a couple of potential world slowdown and continued geopolitical disruption had been among the many issues highlighted within the survey.

The analysis additionally indicated variations between suggested and non-advised buyers. Practically three-quarters (74%) of suggested buyers plan to extend the quantity they make investments, by a median 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 buyers who're planning to place away extra in 2026 stated this was pushed by an expectation of higher market returns, in contrast with simply over a 3rd (36%) of non-advised buyers.

Jenny Davidson, middleman wealth director at Scottish Widows, stated: “International occasions have resulted in 2025 being a bumpy trip however regardless of this the information tells us again and again that buyers with a long-term technique usually reap the rewards of their endurance. With all that is happening on the planet, that lesson is as well timed as ever.

“Our findings underline notable variations between buyers 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 crucial position advisers play in serving to shoppers construct long-term wealth.

“Modifications in regulation and the brand new advances in expertise imply that monetary training and steering is ready to change into more and more accessible in 2026. Trying forward, the main focus can be on ensuring that regulated monetary recommendation, steering and expertise can work in concord to shut the rising recommendation hole.”

The Monetary Conduct Authority (FCA) lately stated that at the very least 18 million individuals may very well be provided additional assist with their investments and pensions over the subsequent decade with the “game-changing” introduction of focused assist.

It can imply companies could make particular options to customers to assist them make better-informed choices about what to do with their cash.

Corporations will want to ensure the suggestions are appropriate and may solely be provided once they put individuals in a greater place, the regulator stated.

It's thought that the modifications might assist to shrink the “recommendation hole” and empower extra individuals to make the best monetary choices for his or her wants.

The regulator stated companies which might present they're prepared, keen and organised to undertake focused assist can 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 could outperform financial savings held in money over the long term.

In line with 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 property, who've a pension, in July 2025.