The Anonymous Widower

Making An Investment Using My Zopa Funds

Over the past eight years, I have built up a seasonable six-figure sum in Zopa. It has paid me upwards of five or six percent  after all deduction of losses and charges over those years and it has been a safe investment compared to some others I could have made.

But now is the time to liberate it, as I want to invest in something important to me, and liberating any of my other investments, would mean reducing my pension pot.

I am not selling any of my performing loans in Zopa, but just liberating any interest and principal repayments. Typically, about six percent of the money I have invested in Zopa is returned to my bank account each month.

It has been a painless way to fund my investment.

Various financial advisers have told me that peer-to-peer lending like Zopa is risky. But of course, there’s no way they can get a commission.

February 16, 2017 - Posted by | Finance |


  1. I was talking to my daughter about Zopa the other evening, we are in the process of selling my late mother’s bungalow, and I will put quite a lot of the capital into buy to let properties, without mortgages. Neither daughter has yet decided what they will do with theirs, but this one did mention putting a tiny amount into peer to peer lending to see how it went. I too am thinking that for a small amount of the residue after houses bought.

    Comment by nosnikrapzil | February 16, 2017 | Reply

  2. The best way to start with Zopa is to start with a small amount of money and learn how the site works.

    It can be a bit addictive, as in some ways it has the buzz of gambling without the risk, as you have no control over the money, unless you say you want to withdraw some of it.

    The computer might pick you someone who it shouldn’t, but your money is safeguarded.

    Comment by AnonW | February 16, 2017 | Reply

  3. I would start with a very small amount, I am not a big risk taker. But it seems a much more “can’t think of the word” system, rather than putting it in a bank for the fat cats to mess with.

    Comment by nosnikrapzil | February 17, 2017 | Reply

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