The UK's £3.5 Trillion Investor Education Gap
A comprehensive analysis of the UK financial education landscape, the structural investing deficit, and the strategy opportunity for a new kind of investor education platform.
The Research
Two deliverables mapping the UK financial education landscape and the strategy to build something better.
The State of Financial & Investor Education
The regulatory landscape, market participants, content creators, international benchmarks, the UK gap, audience segments, and monetisation models.
Content Strategy Guide
Practical guidance for producing effective investor education content — formats, topics, distribution, trust-building, and monetisation.
Key Findings
The headline insights across both reports.
Structural Investing Deficit
Only 8% of UK non-pension wealth is in equities — the lowest in the G7. Half sits in property. If allocation matched the US, £3.5 trillion would flow into capital markets.
Regulatory Tightening
19,766 financial promotions amended or withdrawn in 2024 — up 97.5%. Twenty finfluencers interviewed under caution. The FCA is not messing about.
Pension Engagement Crisis
Auto-enrolment: 86% participation, but 99%+ remain in default funds. 22.5 million adults don't understand pensions enough to plan retirement.
Creator Market Gap
Top UK finance creators: 100–180K subscribers. Top US creators: 3–5 million. The UK market is dramatically underserved relative to its wealth.
Widening Gender Gap
The Gender Investment Gap stands at £678 billion and grew by £54 billion in a single year. Men own 71% of all invested assets. Only 9% of women under 24 invest.
Premium Monetisation
Finance is the highest-paying YouTube niche (RPM $10–$25). UK creators can earn £2,000–7,500 per sponsored video at 100K subscribers.
The UK vs. US Gap
How the UK compares to the US across key metrics.