Wake Up to Money Golden Tickets
Dec 11, 2025
Colleen McHugh, an investment consultant with Wealthify, explores the UK's low investment levels and upcoming FCA guidance to broaden investment support. Geoffrey Cleveland, chief economist at Payden & Rygel, discusses the recent US Federal Reserve rate cuts and their potential effects on the UK and financial markets. Meanwhile, Emma Walmsley, former CEO of GlaxoSmithKline, shares insights on the company's strategic investments in the US and highlights innovative research in pharmaceuticals.
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UK Underinvests Compared To Peers
- UK households hold far less in stocks and bonds than peers: under 20% versus ~40% in Europe and over 50% in the US.
- The UK regulator plans looser guidance to nudge more people toward investing starting in April.
Past Rules Raised Costs, New Guidance Aims To Fix It
- The Retail Distribution Review in 2012 raised standards but made advice costlier and less accessible.
- Colleen McHugh says the FCA's new targeted support seeks to close that gap and boost long-term saving.
Invest Time In Financial Education
- Invest time learning before moving cash into markets; an hour with an advisor can be worthwhile.
- Use platforms or managed services if you lack time, but prioritise educating yourself first.