Peer-to-peer investment trusts offer yields of 10% - but are they worth the risk?

Neil Woodford, pictured, and Mark Barnett have invested in peer-to-peer, which connects investors with SMEs and consumers who want to borrow. But some trusts in the sector have swiftly moved to premiums to big discounts, not long after launching. So is the sector worth the risk?

Fund outflows reversed in August - but investors appear to have drastically lowered their appetite for risk and are buying low-yielding bonds rather than shares.

The traditional advice when you have a large sum of money is to get rid of debt - including credit cards, loans and your mortgage. But that dates back to a time when rates were much higher

Get free expert help with your investing, saving and finances in the Money Pit Stop

Wedding pots, retirement income, university fees -  everyone has financial goals they are working towards. Our new column offers you the chance to have your portfolio looked over by experts - who can suggest changes to help realise your ambitions.

Parents can make their children millionaires by the time they are 38 by making the most of Junior Isas, cash gifts and stakeholder pensions.

Zoopla has branched out with the launch of its 'invest' channel, which allows customers to put money into a property Isa or back buy-to-let mortgages through peer-to-peer lending.

Pick the best (and cheapest) investment Isa platform

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

FTSE long term.jpg

Popular share buying is set for a comeback. But for newcomers, buying and selling may seem daunting. So here is our guide to getting started in the market

Tracking: Following an index is cheaper than an active fund and often more successful

Tracker funds are ideal for those who want to invest but don't want the hassle of picking shares or cost of a fund manager, who is unlikely to outperform the market.

The tortoise and the hare: Passive investors believe that slow and steady wins the race, while active investors chase market-beating returns.

Fund investing helps many small investors strike it rich. Find out what funds and investment trusts are, how to invest - and save money with a DIY investing platform.

Dip your toe into the stock market: Before you start, you need to ask yourself why you want to invest

Want to beat the interest paid out on many high street accounts - and turbo-charge your money for the future? Then it's time to dip your toe into the stock market.

Six simple steps to invest wisely

At the risk of adding to an already extremely crowded market, I have tried to distil some thoughts on how to invest wisely into a simple plan. These are ideas that I have gleaned magpie-fashion from investors I have spoken to - or read - whose wisdom seems to shine the brightest.

How to make a tax-free profit from investing in forestry, racehorses and shotguns

They are not run-of-the-mill homes for your savings, but for those who enjoy high-octane investing, alternative assets can provide the chance of tax-free gains. Some alternative investments - including wine and forestry - have shown remarkably good returns over a ten-year period. You must be very careful how you invest, however.

When it comes to investing, high charges don't necessarily mean bad value. But no one wants to be ripped off by a fund manager whose charges eat into your savings.

Is it still possible to have a 'traditional' stockbroker? My dad used to have one who he'd ring up when he wanted to change his portfolio, and who would call him from time to time with tips.

Investing Show: Scottish Mortgage's Tom Slater on why he invests in US tech

Shares in US-tech stars may be expensive but that reflects how great they could one day be, says Scottish Mortgage's Tom Slater. The co-manager of the more than 100-year-old investment trust, which seeks out firms that can deliver the global growth of the future, reveals why he doesn't hold the fears some do over high valuations for Silicon Valley's finest.

MINOR INVESTOR: Doing nothing was a winning Brexit investing strategy

Having never got round to tweaking my Isa portfolio before the EU referendum, I resisted the temptation afterwards. As luck would have it that was the right move, my portfolio is up 9.1% on where it stood three months ago and 14% on the week after the vote. Now, though, I risk falling into a new trap of thinking this was down to investing skill.

New app Moneybox lets you top up your everyday spending and put the excess into a stocks and shares Isa. The founders say it will help cash-strapped millennials invest.

My money is stuck in a suspended property fund. What should I do?  

After the EU referendum, there was a bit of a panic that property prices could fall sharply. As a result, a lot of savers with cash in property funds started trying to get their money out. For an open-ended property fund, this is a big problem as buildings can take time to sell. In July, several property funds decided to suspend trading.

Many people under-estimate financial losses and the difficulty of breaking even again because they struggle with the maths - are you among them? Take the quiz and find out...

I want to acquire a single UK share as a gift for a friend. I don't want an account, or any kind of fees, costs or charges thereafter for holding or admin. Is it possible?

As Pokeman Go craze hits, how to invest in future tech giants

Gutsy investors who backed the computer chip-designer ARM when it launched on the stock market in 1998 are in line for a huge windfall when it is sold to Japan's SoftBank. Meanwhile, Pokemon Go has sent Nintendo shares rocketing.The question now is where can investors find the next big technology success story?

Veteran smaller companies manager Dan Nickols went into the referendum overweight on consumer stocks. But he says that indiscriminately selling would be a mistake.

Some investment trusts have delivered 50 successive years of annual dividend growth and a key component of that is the boards that oversee them.

How to size up the risks and profit from shares, property, gold and bonds

When the Bank of England cut interest rates, it wanted to encourage investors to take 'more risk' with their money. The higher the risk, the bigger the potential returns . . . but so will your losses be if things go wrong. Here, we guide you through the best ways to beat the rate cuts and keep your returns safely trickling in... and most importantly explain just how risky they are.

Two mini-bonds launched by a firm called Providence Financial have hit the skids leaving nearly 1k investors facing a nervous wait on whether they will receive any of their money back.

Fidelity says its Select 50 list has been created in response to customer demand for a high conviction, easy to navigate selection of best fund ideas across the investment spectrum.

I have £10,000 towards a house deposit. Where can I invest this

I am saving to put down a deposit on a house - I have £10,000 so far. Where can I invest this for around six months so that it can grow while I continue to save? Holly Black replies, 'While I can see the logic in your plan to invest your cash while you build up the last bit of your deposit, I'm afraid that this is not the best course of action. Investing is for the long term.'

Investing in property through peer-to-peer lenders is increasingly popular as disillusioned savers scrape around for somewhere, anywhere, to put their money to earn a decent rate of interest.

Overseas equity investments and exposure in foreign currency helped boost investment trusts' fortunes. Woodford Patient Capital saw June's sixth- biggest decline in share price.

Investing Show: Can investors make money by keeping it simple?

The investment world loves to make things complicated, but does that help anyone make more money? In an episode dedicated to how to make investing simpler, Gemma Godfrey joins Simon Lambert and the Investing Show regulars in the studio to discuss how to demystify the investment world.

Many experienced investors will have their own favourite measures of a company but there are a handful of important terms that crop up more often than not, we explain why they matter.

In this Brexit special edition of the Investing Show, we look at what has been hit hardest, what has done well and where the best opportunities for the future lie.

Nick Kirrage.JPG

You don't get much more unloved than banks. For a value investor like Nick Kirrage that makes them interesting. He explains why on the latest Investing Show.

Investors are regularly told that they need to asset allocate, build a balance portfolio and think long term - but how do you do that? Justin Urquhart Stewart gives us his tips.

Investing show: How to spot the dividend stars of the future

Laura Foll, co-manager of Lowland investment trust, explains why she's buying some oil and commodities stocks and where she and fellow manager James Henderson look for future dividend stars.

City of London investment trust has raised its dividend payout for 50 years in a row, manager Job Curtis discusses income investing and his best ideas.


Investing: don't miss


Which shares will deliver the best return for investors over the next five years?

Which shares will deliver the best return for investors over the next five years?

  • US 581 votes
  • UK 1809 votes
  • Europe 278 votes
  • Emerging markets 508 votes
  • Japan 238 votes
  • China 200 votes
  • India 426 votes
  • Smaller companies 364 votes

Now share your opinion


Monthly Or Lump Sum Savings Calculator

Monthly savings plan

Find out how much a regular monthly savings scheme could make me.

Or lump sum investments

Calculate how much a lump sum investment could be worth.



The investment industry's world of abbreviations...
Acc: Accumulation - any income generated by the fund like dividends or interest is automatically reinvested.
Inc: Income - any income generated is distributed by the fund instead of being reinvested.
Dis: Distribution - any income generated is distributed by the fund instead of being reinvested.
R: Retail - the fund is aimed at ordinary investors.
I/Inst: Institutional - the fund is aimed at corporate investors like pension funds.
A, B, M, X etc: Different fund houses use letters for different things. Check with them what they stand for.
NT/No trail: Some fund houses use this name on clean funds which carry no commissions for financial advisers, supermarkets or brokers, just the fee levied by the fund manager. But other fund houses use different letters - I, D or Y, for example - so you need to find out for yourself which are clean funds.
Gr: Stands for gross.
GBP/£: Fund denominated in pounds.
EUR: Fund denominated in euros.
USD/$: Fund denominated in US dollars.
Compiled with online stockbroker The Share Centre

Dividend Heroes revealed: Investment trusts with longest history of raising payouts

The 20 investment trusts with the longest-running history of raising payouts to investors have been revealed in the latest Dividend Heroes list. The trio of trusts leading the list are knocking on 50 years of unbroken increases, according to the Association of Investment Companies. We reveal the top 20.

Investor Dave Wilkie in Glasgow.

Dave Wilkie set up the Funny Money share club with friends as a way of saving for a trip to Las Vegas including flights and tours to the Grand Canyon, Hoover Dam, and Red Rock Canyon.

How do you get people to start saving into their pension early? This is a question that vexes policymakers - and me this week when my sister asked about her new job's pension.

UK Equity Income is often one of the most popular investment trust sectors. It's easy to see why, with returns more than trebling a £100,000 investment in two decades.

The Woodford Equity Income fund dominates the most recent fund best-seller charts, which offer a sneak peek into what people are putting in their share Isas as we approach the end of this tax year.

Dumb tracker, cheap do-it-all fund, or smart beta?How to invest in trackers

Passive investors have never had it so good. Costs are falling at the same time as their opportunity to tap into markets increases. But it's not just about tracking a market anymore, smart beta combines passive approaches with active allocation and ready-made passive portfolios are also being snapped up. So what does a good tracker look like?

All investment and pension funds come with a benchmark, which is normally the first and most basic yardstick people use to measure and compare performance. So how do they work and how well?

Smart trackers can give 'passive' index investors gain a strategic edge in the markets, but avoid the expense of employing 'active' stockpicking managers.

Numbercrunching: How do you go about finding out fund charges?

Knowing what your fund costs is important because even charges that look low will eat into your returns greatly over time. But where do you find the figures?

Personal finance...Charlotte Maylin in her Beauty Salon, Venus...Charlotte has taught herself about investment trusts...Letchworth, Herts...8-12-2015 Pic by Ian McIlgorm

We identify six investment trusts that have enough income in their tanks to continue their record of delivering investors with all-important dividend growth.

Top UK income funds revealed: Unicorn magics its way to the top

It seems bigger isn't always better as the top three funds for income all came from smaller firms, according to a leading piece of research. At the same time, most of those relegated to the Black List were high profile names, including Schroders, BlackRock and Standard Life Investments.

Pensions Road Sign against threatening clouds

We tend to put ambitious targets on our hoped-for income in retirement and then underestimate how much we will need to set aside to achieve that. So how much should you save?


Self-investing via an online fund supermarket is growing in popularity, despite recent stock market falls. But choosing a provider can prove a minefield.

How do I read a balance sheet - what shows if a company is strong or not?

I'm new to investing and keen to learn more before making any rookie mistakes. Can you explain how to 'read' the figures on a balance sheet - what am I looking out for, and what criteria do you use to judge the health of a company?

Fund and trust ideas for first time and cautious investors

If you are new to investing then the huge number of funds and investment trusts on offer can be confusing. Fortunately, This is Money's experts have some ideas to get you started.

On the up: Emerging markets such as Brazil are where much of the world's growth is expected to be over future years.

If you're looking to add some flair to your investing Isa with emerging markets, This is Money's experts have some ideas to get you started

Income investing: Dividends can deliver both a healthy boost to long-term growth and a way to earn from your investments.

Income investing can let you draw on your portfolio or reinvest dividends to build solid growth over time. Our experts give their fund and investment trust recommendations.

Uk equities have delivered 1,433 per cent growth during the past three decades, or 9.9 per cent each year - but only if you steadily reinvested all your dividends.

spt_Cape 3.JPG

We highlight the world's cheapest and most expensive stock markets, measured on three popular valuation tools and where the UK sits.