The UK FCA plans to simplify retail investment rules, allowing high-net-worth individuals to opt for higher-risk products.

2025-12-08 14:06:58

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PANews, December 8—The UK Financial Conduct Authority (FCA) announced adjustments to retail investment rules to lower investment thresholds and encourage greater participation by UK residents in capital markets. The policies include:

Removal of complex information documents: Investment institutions are no longer required to provide retail investors with a “Key Information Document (KID),” replacing it with a simpler “Product Summary.”

Affluent individuals can opt out of retail protection: Individuals with assets of £10 million or with investment experience can choose to be classified as professional investors, allowing them to invest in higher-risk products, but they will no longer be protected by FCA consumer protection obligations.

Encouraging retail market participation: UK household investment rates are lower than in other countries, and the government is promoting residents to invest more of their savings in the market, including recently reducing the annual ISA tax-free allowance to £12,000.

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