The National Securities and Stock Market Commission of Ukraine has highlighted proposed personal investment accounts as a way to convert rapid growth in retail participation into long-term domestic capital. Ukraine had 271,300 unique investors as of Aug. 1, 2026, nearly 12 times the number at the start of 2022, including 43,300 who entered the market in 2026. Bills registered in Parliament would allow individuals to use the accounts to invest in shares, corporate and municipal bonds, and government securities. Investment income would be tax-exempt under statutory conditions if funds remained in the account for at least three years, while earlier withdrawals would be subject to general tax rules. Investors could continue trading, rebalancing and adding funds during that period, provided the money was not withdrawn. Parliament must consider the proposed legislation before the accounts can be introduced.