Source text: The UK Financial Conduct Authority (FCA) has proposed changes to retail investment rules aimed at simplifying processes and encouraging greater market participation. The new policies will eliminate the requirement for investment institutions to provide "Key Information Documents (KIDs)" to retail investors, replacing them with a more concise "Product Summary." Additionally, high-net-worth individuals with assets of £10 million or significant investment experience can opt to be classified as professional investors. This classification allows them to invest in higher-risk products without the standard FCA consumer protection obligations. The initiative is part of a broader effort to boost UK household investment rates, which are currently lower than in other countries, by encouraging residents to invest more of their savings into the market. Target language code: de Translation instructions: This is the news article content. Please maintain the original meaning.