Moneybox, a WealthTech platform serving more than 2 million customers, has published a retail investing manifesto with six policy proposals aimed at drawing an additional seven million people into stocks and shares ISAs by 2035.

The manifesto urges the government to make putting money into investments as simple as putting it into a savings account. It was first unveiled at a private event held at One Great George Street on Wednesday 21st October.

Moneybox points to a large pool of potential investors: some seven million adults currently hold £10,000 or more in cash. This reflects findings from the firm’s 2026 Financial Confidence Index, which shows that 40% of people feel confident about investing, compared with 83% who feel confident about saving. According to Moneybox, narrowing that divide through practical, behavioural and product-focused reforms could encourage many of these cash savers to move into stocks and shares.

The first proposal calls on ministers to expand the Stocks and Shares Lifetime ISA, a state-supported product whose popularity rises each year, instead of designing entirely new products. The second seeks a review of adviser charging rules so that firms can offer more inventive and affordable pricing for financial advice, helping to close the advice gap.

Third, Moneybox wants to establish a range of low-cost diversified funds with a home country bias (similar to Sweden’s AP7 Såfa), to provide first-time investors with a clear, confident and sensible entry point. Its fourth proposal would see workplace auto-enrolment broadened beyond pensions to include saving and investing accounts, reducing friction and encouraging long-term habits.

Source link