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We’re often told to save for retirement, but compared to investing in UK shares, this may secretly be bad advice.
Even with interest rates still elevated, no risk-free savings account has matched the performance of the stock market in 2025.
Fun fact: the FTSE 100 has delivered close to a 21% total gain since the start of the year, compared to the roughly 5% that some of the most generous savings accounts have offered.
Now that interest rates are steadily falling, savings accounts are becoming even less attractive as a retirement building vehicle. And that’s only being compounded by tax hikes on interest and an incoming slash to the Cash ISA allowance in 2027.
So with that in mind, let’s explore some simple strategies for building more retirement wealth by investing in UK shares.
Having some cash savings is always a good idea….
