Two fifths of UK investors wish they started earlier, study finds

Two in five UK investors (40 per cent) say that their biggest regret is not starting to invest earlier, new research by Fidelity International has highlighted.

Against a backdrop of ongoing market uncertainty, Fidelity said it findings highlight the value investors place on getting started early, contributing consistently and maintaining a long-term approach.

According to Fidelity’s study of 1,000 UK investors, other common regrets included not staying consistent with contributions (19 per cent) and not making better use of tax-efficient accounts such as ISAs (17 per cent).

When asked what advice they would give to someone new to investing, the most common response was to start as early as possible (38 per cent). This was followed by avoiding panic during times of volatility (28 per cent), focusing on long-term investing (26 per cent), seeking professional advice (24 per cent) and staying invested rather than dipping in and out (23 per cent).

“What’s striking from this research is how closely the advice investors give reflects their own experiences,” commented personal finance expert at Fidelity International, Marianna Hunt. “Many say they wish they had started earlier, invested more regularly and made better use of tax-efficient accounts like ISAs.

“In periods of uncertainty, it’s understandable that some investors may feel cautious. While markets will always move in the short term, focusing on what you can control – such as when you start, how regularly you invest and how long you stay invested – can help build confidence over time.”

Fidelity suggested that its findings point to a clear theme around the role of time in investing. While 40 per cent said their biggest regret was not starting earlier, 38 per cent said the most important advice they would give new investors is to start as early as possible.

A focus on long-term investing was another key theme in the research, with 26 per cent of investors advising others to think long term and 23 per cent saying they should stay invested rather than dip in and out of the market.

“When markets feel unpredictable, it’s natural to be uncertain about the next step or want to delay investing altogether,” added Hunt. “However, our research shows that many investors later wish they had started sooner or stayed more consistent.

“The analysis highlights the value of time in the market and the difference it can make over the long term. Even beginning a few years earlier, or maintaining regular contributions, can have a meaningful impact.

“While markets will always fluctuate, taking a long-term view and investing consistently can help investors make the most of opportunities and feel more confident about their financial future.”

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