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Today we’ll be talking about why UK investing is changing forever. It’s being driven by recent policy changes and reforms, which includes the reduction in the Cash ISA allowance, and the encouragement of retail investment in the UK stock market. And its also being helped on by the likes of Martin Lewis who recently dedicated a whole episode of his ITV Money Show to investing. Today I wanted to explain this push to get people investing, why its important, and how the days of being a nation of cash savers needs to change.
⏰ Timestamps:
00:00 Intro
00:36 A Nation of Savers
03:10 Cash is Losing
07:48 Financial Notes
08:06 The Change We Need
13:17 The Real Shift
📷 Instagram: @mitchinvesting
#MartinLewis #Savings #Investments
*Disclaimer: All ideas presented within this video are that of my own based on my own opinions. Please do not consider any of these videos as financial advice as I am NOT a financial advisor. All financial decisions and choices made are solely your responsibility. The views shared in this video are just for entertainment and educational purposes only. When investing, your capital is at risk and can go up in value as well as down in value. You should consult a suitably qualified professional when seeking out investment advice in order to fully understand the risks associated with investing. Do your own research.*
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@MitchShoesmith
Happy Sunday guys! This is my final upload before Christmas so I wanted to wish you all a very Happy Christmas & New Year. Thanks for all the support on the channel again this year – much love, Mitch.
@tx5190
There are many people who prefer to save money in an ISA rather than stocks because they are risk averse.
They see investing as gambling. Why else are there disclaimers warning "your money is at risk. It can go down as well as up"
The government's proposed changes on ISAs to encourage people to invest shares may bring a backlash if the economy tumbles.
People will panic and sell at a loss.
I know 2 women who were tempted to invest but pulled their money out as soon as it fell below their initial deposit, fearing it would fall further and lose the lot.
The fact that some of these warnings also state to give it 5 years doesnt instil confidence for the nervous novice.
Not every stock goes up and companies can, and do, go bust.
I think the government of the day may have a few problems on their hands should some of these investors lose money.
@DerekHasted
So, in her attempt to make cash ISA savers into Investors, she has cut the cash ISA limit and says she will restrict the holding of cash and cash-like investments in an S&S ISA. Invest or else. Long term investors are currently moving into cash in the light of an AI bubble. If Reeves coaxes people into stocks, then prevents them moving to cash when there’s a market correction, she will ruin the dreams and the future of the very people she tried to help. She has no idea of the Law of Unintended Consequences.
@bigburci
The elefant in the room are the taxes! 18% on basic rate and 22% or so on higher rate is a joke and absolutely killing the investing scene. At this age you can go global and invest in "grow" friendly countries than realize when you move there and give the middle finger for this government.
@grey3987
GOLD is true money
@JohnDoe-i2b4n
If the government wants to improve the nation's attitude towards investing and personal finance they should change the national curriculum to make personal finance education mandatory for all students this would likely have more impact on improving personal finance and participation in investing than any change to isa or pension limits ever could
@jonathanburson4994
I was stood in a building society queue in 1996 and the teller saw how much money the old lady in front of me in her account and she started to try and sell her a TESSA (look it up!) and the teller was obviously clueless about how it worked. Hopefully advice from banks today will be better 30 years later!
@keirankainth
All you need to do is put your capital into S&P 500, Palantir and Nvidia for the next decade or so and you’ll do absolutely fantastic.
@ATOMIKDOG23
Premium bonds are a waste of time
@Banor
My investing journey only started 2 years ago. I was genuinely frightenrd of stocks and shares. Its a big mindset shift for most british people to even touch S&S ISAs.
Im so glad I started investing. I can start to see the benefits of compounding returns. It snowballs.
Im now maxing my personal allowance (£20k a year, £1666 a month by putting it in to an all world ETF. For my emergency money, I put it in to premium bonds, for 2 reasons – all winnings are tax free and its completely out of the market.
20 years of investing 20k a year will build me almost a million quid. I can live off the returns. And that is not including my state pension or private DC pension.
@chewie8
I will never invest my savings. If there is a chance to lose money not worth the risk.
@HoYLiftsHeavyWeights
Buy, inflate and then tax 🤷
@P.c.Mistry
I hit my financial milestones without waiting for any government support. It's not luck it's intentional moves. While most are busy complaining, some of us are quietly building.
@LukeCorbett-qf7dv
Just last week, I started with $5,000, and now in 2025 that number has grown to $87,590. What makes this even more meaningful is that I was having this exact conversation with my son the other night. Generational wealth isn’t simply about having money it’s about understanding it. It’s about learning how to create it, protect it, and grow it over time. Providing for your family means very little if they don’t know how to manage and sustain what’s been built. That’s why this video really speaks to me.
@utterlyexiged
The chances are the markets WILL pump over the next few years because of this new found interest in investing. However, we all know what's coming after that. Reeves, or whichever trout is in her place, will be sticking her fingers in our stocks ISA's and even pensions, to help fund benefit fraud and illegal immigration.
@CMEddy666
Hey good job 👍, do you know why T212 does not provide a sell button anymore 😂?
@Richard_OBrian20
Earning around 15k–30k weekly isn’t huge, but it’s been a big help with bills and family needs, it’s made life a lot easier for me😊
@OW...
Mitch its a simple fact that the MSM and guys like yourself worry people because the average Joe hears "lost a fortune when the stock market fell". People think, and i was the same a few years ago that when the market falls you loose your money. The MSM push this narative all the time. If the narrative was "don't worry leave your shares where they are and the market will bounce back" then we may get more investors in stocks and shares.
@adehughes3260
3rd in housing France was on 52%
@CNRADMSN
Another big issue in the UK is that money is such a taboo subject in general, it'll take generations to change the mindset
@MeTubesChannel
The reason Japanese consumers have fared so well is because they are a nation of savers. They had buffers and so weren't at the mercy of their investments.
@Miguel-w1u1t
Dear friends:the best investment
you can do is to invest on yourself!!!
Learning a new skill
Learning a new language
Learning to love yourself
Learning to forgive yourself
Learning how to fix your finances
Learning to be independent
❤❤All the best for 2026!
@johnnyli7628
You can never assume past performance as future performance…. And you need to do tones of homework before investing. If investing means earning more why the government does not do it and asking the weaker individual to bear the risk
@AmeliaRose-w1r
Hit 200k today. I'm really grateful for all the knowledge and nuggets you have thrown my way over the last months. Started with 14k
@brads2784
nation of savers? most people don't even have £500 saved up for a rainy day
@solids1451
I think youtubers and gov telling everyone to invest is a BIG RED FLAG i think for now ppl should hold cash as this signals a crash, when the crash happens invest then.
@rfxtuber
Too little, way, way too late. Paying regular monthly payments into an investment account mirrors endowment mortgages—it never works out halfway down the road, due to fraud and regulations that allow the government and its affiliated financial institutions to rip you off 20 years down the line, due to the banks and financial regulation that always deprive you of your money by, hook or by crook. Endowment mortgages were regulated products that for many failed catastrophically an element of which was based on investing over a 25 year term. The problem is that they hope the younger generation will repeat the same mistakes with similar fraudulent investment products 25 years down the line.
@LJ-702
When markets are at ATH everybody is pushing towards ETFs, is that not strange