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While cash can feel reassuring during periods of volatility, rising prices mean its value can steadily erode. The UK currently ranks as the lowest retail‑investing nation in the G7, underlining how heavily people here rely on cash compared with other countries. Mintel’s research also highlights that low confidence and limited understanding remain major barriers to better financial decision making.",[],{"_key":107,"_type":80,"children":108,"markDefs":122,"style":88},"0b76cac27165",[109,113,118],{"_key":110,"_type":84,"marks":111,"text":112},"6152e9f69b3d",[],"The findings come at a time when many households are already under severe financial pressure. Separate research from WEALTH at work",{"_key":114,"_type":84,"marks":115,"text":117},"234bad726cc2",[116],"06a9b20c8ea0","[2]",{"_key":119,"_type":84,"marks":120,"text":121},"e7f1fdc86dc9",[]," found that almost half of UK workers (47%) say their biggest financial concern is not being able to save enough for the future, while more than half (51%) say they don’t have enough spare income to save regularly. With high food, energy and housing costs squeezing disposable income, simply putting money aside can feel increasingly difficult.",[123],{"_key":116,"_type":124,"href":125},"link","#_ftn2",{"_key":127,"_type":80,"children":128,"markDefs":133,"style":88},"65c32b35c1fd",[129],{"_key":130,"_type":84,"marks":131,"text":132},"e42593b0a00a",[],"The strain is increasingly visible in the workplace. Employees report that money worries affect their performance at work by causing increased stress (36%) and mental exhaustion (34%). With knock‑on effects for workplace performance including decreased motivation (23%), reduced focus and concentration (20%) and increased sick days (8%). As a result, how organisations support financial confidence is increasingly being viewed as a core component of broader wellbeing, engagement and productivity strategies – and not just a personal issue for employees.",[],{"_key":135,"_type":80,"children":136,"markDefs":141,"style":88},"c3a3df59c900",[137],{"_key":138,"_type":84,"marks":139,"text":140},"a62b1571d86b",[],"Interestingly, Mintel’s report shows there is strong appetite to learn more about investing, with 45% of individuals saying they want to build their knowledge. However, it also highlights concerns that reliance on unregulated online content can undermine understanding of risk and investing fundamentals. Improving financial understanding, supported by clear and trustworthy financial education, is therefore critical to helping people make more informed decisions about their savings and reducing the risk of misinformation.",[],{"_key":143,"_type":80,"children":144,"markDefs":149,"style":88},"73f4234099e4",[145],{"_key":146,"_type":84,"marks":147,"text":148},"719a9cdf73b7",[],"For many people, the workplace is where they have the most regular interaction with their finances, through pay, workplace savings and employer‑provided benefits. Building financial confidence requires trusted, easy‑to‑understand support that helps people feel more informed and capable when managing their money. This is something the workplace is increasingly well placed to provide.",[],{"_key":151,"_type":80,"children":152,"markDefs":158,"style":88},"30d274afb09d",[153],{"_key":154,"_type":84,"marks":155,"text":157},"08224f731f53",[156],"strong","Jonathan Watts-Lay, Director, WEALTH at work comments:",[],{"_key":160,"_type":80,"children":161,"markDefs":166,"style":88},"1ecb3d373098",[162],{"_key":163,"_type":84,"marks":164,"text":165},"e571b8091373",[],"“When household budgets are stretched, people naturally prioritise short‑term security and certainty. However, periods of financial pressure can also increase the long‑term risks of relying solely on cash, particularly when inflation reduces purchasing power over time. Improving confidence in investing matters because uncertainty and limited understanding often lead people to delay decisions altogether, leaving money in place by default rather than making informed choices. From an employer perspective, this can have longer‑term consequences for financial resilience and retirement readiness.",[],{"_key":168,"_type":80,"children":169,"markDefs":174,"style":88},"d0b662910245",[170],{"_key":171,"_type":84,"marks":172,"text":173},"c820736c3791",[],"“Greater confidence helps individuals understand how risk, time and returns work together, and enables them to weigh short‑term pressures against longer‑term goals. At a time when many people feel anxious about their finances, clear, trustworthy guidance can reduce fear, support better decision‑making, and empower people to take manageable steps on their investment journey rather than disengaging.",[],{"_key":176,"_type":80,"children":177,"markDefs":182,"style":88},"f1cfbff3a574",[178],{"_key":179,"_type":84,"marks":180,"text":181},"88bc01194d0c",[],"“For most people, the workplace is where they earn their money and where their financial decisions often start. That puts employers in a unique position to help build financial resilience through clear financial education and practical savings options, such as a Workplace ISA where contributions can be made simple via payroll. 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Learning the basics in simple, everyday language can make investing feel far easier to approach. By understanding key ideas such as what you’re investing for, how long your money can stay invested and the level of risk you’re comfortable with, first‑time investors can build confidence gradually.",[],{"_key":232,"_type":80,"children":233,"markDefs":238,"style":88},"7d3cd8785f06",[234],{"_key":235,"_type":84,"marks":236,"text":237},"2e8b119948c5",[156],"3) Start small - and start early if possible",[],{"_key":240,"_type":80,"children":241,"markDefs":246,"style":88},"68beffb92f37",[242],{"_key":243,"_type":84,"marks":244,"text":245},"c70c92918610",[],"Begin with an amount that feels comfortable. Even small, regular contributions can grow significantly over time. Starting early gives your money more time to benefit from compound growth. This is where your returns build on both your original savings and previous gains. Importantly, it’s never too late to begin. 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