High earners in the UK are shifting into wealth-building mode for 2025, with new research from next generation digital wealth manager Sidekick revealing that over a third (37%) of UK adults earning £40,000 or more plan to ramp up their savings and investments.
This surge in financial ambition stands in contrast to just 25% of those earning under £40,000, underscoring a growing divide in wealth-building strategies.
The data comes as Sidekick launches its refreshed Public Markets investment offering, designed to unlock the access to the financial advantages of the ultra-wealthy, delivering smarter, sharper, and more personalised financial opportunities.
Sidekick’s research reveals that 38% of high earners are turning to tax-efficient investment vehicles, such as ISAs and Venture Capital Trusts (VCTs), which offer tax benefits. This aligns with the 74% prioritising saving and investing as top financial goals for 2025, highlighting a strategic focus on maximising returns while mitigating tax exposure.
New year, new goals — here’s what high earners have in store for 2025:
- 54% of earners over £40k plan to boost their savings
- 47% aim to increase their investments, showing a clear move towards future-focused wealth-building
- 28% are actively exploring alternative assets, including options like VCTs and private equity – investments that provide growth opportunities beyond traditional public markets
- Just 16% of high earners plan to stay the course with no changes to their financial strategy, highlighting a new era of financial ambition.
Further insights from the study reveal a shift in the types of financial products capturing attention. While ISAs remain a staple for high earners, Sidekick’s latest offering goes beyond the basics. With options spanning global stocks, bonds money market funds and even alternative investments like VCTs, high earners have more ways than ever to build their financial future – both within and outside traditional tax-efficient vehicles.
Matt Ford, co-founder and CEO of Sidekick, said: “With inflation easing and interest rates stabilising, 2025 is a golden opportunity for high earners to step up their financial strategies. People are done waiting on the sidelines. They want to grow and protect their wealth, and they’re actively looking for the right tools to do it. That’s why we’ve made sure Sidekick’s revamped suite of sophisticated investment products put ultra-wealthy investment tactics within reach of high earners.”
Smart money, sharper tools
To help high earners seize this moment, Sidekick is rolling out a set of expertly-curated investment products:
- Global Stocks: Access to the world’s biggest and best markets, perfect for long-term wealth-building.
- Global Bonds: High-quality, risk-balanced debt instruments to keep portfolios steady and stable.
- Money Market Funds: A safe, low-risk option that’s ready when you are for liquidity and short-term goals.
These tools are now available via General Investment Accounts (GIA), with tax-efficient ISAs on the way. Sidekick’s upcoming personalised investment features will allow users to build portfolios aligned with their values, growth targets, and tax strategies. Users can also explore thematic investments tapping into emerging industries and fast-growth sectors.
Ford added: “We’re seeing high earners move beyond basic savings and generic robo-advisors. Wealth building today is about strategy – making the money you have work harder. Our goal at Sidekick is to make wealth-building simple, powerful, and within reach of anyone who’s financially ambitious.”
For more information, visit www.sidekickmoney.com or contact sidekick@transatlanticent.com
