Confidence rising: young investors step forward
A new generation embraces investing
After several years of economic uncertainty, UK investors are beginning to show signs of renewed optimism. According to Moneybox research (2025)¹, investment confidence among UK adults has risen 25% year-on-year, with 65% now expressing optimism about investing.
This shift is particularly pronounced among younger adults. An impressive 87% of those aged 25 to 34 and 75% of 18 to 24-year-olds now report feeling confident, with annual increases of 15% and 10% respectively.
As sentiment improves, younger wealth builders are leading the way – not just in how they feel but in how they act.
Participation is growing
Confidence is important, but action speaks louder. Encouragingly, the number of people actually investing is also rising. Nearly one-third of UK adults (31%) are now investing, up to 5% from last year. Among 25 to 34-year-olds, that figure jumps to 54%, a 13% increasing year-on-year.
These shifts suggest more people are taking long-term wealth building seriously. Younger investors are beginning to see investing not as something risky or out of reach, but as a key part of their financial toolkit.
A growing appetite to invest
Not only are more people investing, but many are also planning to do even more. Among 25 to 34-year-olds, 26% intend to start investing in 2025, and 38% aim to increase their contributions.
This trend shows a growing sense of ownership and ambition. As younger investors become more financially aware, they are increasingly choosing to put idle savings to work rather than let their money sit in low-interest accounts.
These habits, if sustained, could make a real difference to long-term outcomes, especially when paired with thoughtful financial planning.
From confidence to strategy
Confidence is an excellent starting point. But without a clear plan, it can quickly become directionless or even lead to poor decisions.
While younger investors are often more comfortable with digital platforms and have easier access to investing than previous generations, they may still need guidance on:
- Choosing appropriate levels of risk
- Diversifying across asset classes
- Making tax-efficient use of ISAs and pensions
- Avoiding speculative or hype-driven investments
- Staying focused on long-term goals
Financial advice help turn enthusiasm into strategy – and ensure that growing confidence translates into meaningful, sustainable outcomes.
Investing for the long term
For younger investors, time is one of the biggest advantages. Starting early allows for compound growth to take effect, even with modest monthly contributions. That’s why it’s so encouraging to see this shift in behaviour and mindset – and why now is the time to build good habits that last.
Holding excess cash may feel secure in the short term, but over time it risks erosion from inflation and missed opportunities. A carefully constructed investment approach – reviewed regularly and supported by expert advice – helps ensure that growing optimism leads to real results.
If you’re building your confidence as an investor, or helping the next generation get started, professional advice can help put a clear, long-term strategy in place.
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