Couples who discuss money save and invest more, new research from investment company Columbia Threadneedle suggests.
Three quarters (72%) of UK investors said that discussing money with their partner improved their financial decisions.
Seven in ten (70%) said they feel more in control of their finances as a result of talking things over with their partner.
For a third (30%), money conversations prompt them to increase the amount they save, with one-in-three (31%) changing the way they manage their finances.
More than a quarter of investors in a relationship (27%) said discussions encouraged them to invest more.
Around one in six said that have opened a new savings (18%) or investment account (15%) after discussing money with their partner.
The confidence gained through financial discussion extends beyond the relationship itself, the survey suggests. More than half of UK investors in a relationship (54%) said they feel confident supporting friends with advice on finance and investing.
A similar proportion (52%) said they feel comfortable discussing investing more broadly with others, indicating that confidence developed within the relationship may influence wider financial conversations.
Ross Duncton, head of direct at Columbia Threadneedle Investments, said: “Talking about money can feel uncomfortable, but the research shows that when couples do have open financial conversations, the benefits are clear. People feel more confident, more in control and better able to plan for the future.
“What’s particularly encouraging is that these conversations often lead to action – whether that’s reviewing savings, changing financial habits or taking first steps towards investing. Small, regular conversations can play a powerful role in turning long-term intentions into practical financial decisions.”
He pointed out that investing doesn’t have to be complicated. “Starting small and investing regularly, for example through an ISA, can help build confidence over time and make investing feel like a natural part of managing household finances.”
• The research was conducted by Opinium on behalf of Columbia Threadneedle Investments between 18 and 23 December 2025. The survey was carried out among 2,000 UK adults who manage part or all of their investments.