interactive investor (ii) Index
interactive investor, the UK’s second-largest platform for private investors, has published its latest instalment of the ii Index, providing data and insights on how the everyday retail investor is performing and positioning their portfolios in this ever-changing market.
The ii Index - Q1 2025
interactive investor has published its latest instalment of the ii Index, providing data and insights on how the everyday retail investor is performing and positioning their portfolios in this ever-changing market.
The latest iteration tracks 5 years and 3 months of data, which shows that the average ii customer has seen their portfolio grow by 25.8% — beating the aggregated performance of funds in the IA Mixed Investment 40-85% Shares sector (22.5%).
The sector can be a useful comparator for private investor portfolios, given its mix of bonds, cash, and equities.
Portfolio breakdown across ages
| Age Band | Cash | Equity | ETP | Fund | Investment Trust | Other (Bonds) |
|---|---|---|---|---|---|---|
| 18-24 | 10.5% | 20% | 12.9% | 30.9% | 21.5% | 4.1% |
| 25-34 | 10.2% | 20.7% | 19.2% | 29.2% | 14.5% | 6.3% |
| 35-44 | 9.4% | 24% | 19% | 31.3% | 8.9% | 7.4% |
| 45-54 | 9.5% | 29% | 14.5% | 31.5% | 10% | 5.5% |
| 55-64 | 9.7% | 30.1% | 11.1% | 30% | 15% | 4.1% |
| 65+ | 8.5% | 38.6% | 5.9% | 20.6% | 24.4% | 2% |
| Average | 9.2% | 32.5% | 10.5% | 26.7% | 17.3% | 3.9% |
Source: interactive investor
Further key findings:
• Those aged 35-44 outperformed across the majority of the timeframes tracked, leading returns over the longest horizons – and passives take up almost one fifth (19%) of their portfolios.
• Investors in older age groups tend to have a higher weighting to direct equities.
• The frontrunners: of the top 10 holdings across all age groups, 60 in total, 24 are passive investments – with Vanguard’s LifeStrategy Range most prominently featured.
• Gilt-y pleasures: gilts continue to be popular with ii investors, with T26 taking the stage as TN25 matured in January.
• The report continues to observe little difference between performance and portfolios of men and women.
Commenting on the Q1 2025 ii Index, Camilla Esmund, Senior Manager, interactive investor, says:
With more than five years of data, we have a real birds-eye view of the retail investing landscape and behaviour – over a time period that has also been incredibly testing for investors.
While we’re currently in a particularly volatile period, it’s interesting to see that ahead of the tariff announcements, our investors continued to stick with their knitting – not making any wholesale changes to their portfolio. It’s promising to see that interactive investor customers have continued to prove their resilience, weathering market storms, and sticking to their long-term strategies.
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