If you had £500,000 cash

[Bagpuss]

hmmm

http://talk.zopa.com//index.php?showtopic=1705

[sasguru]

Am I right in thinking that Zopa returns are tax free as it is classed as personal lending rather than investment - hence the maximum lending limit to fit in with the tax rules?

Can anyone confirm this?

This could make it more attractive, especially to higher rate tax payers.

Tax is payable. Interestingly the forums claim if you lend to the C segment you can get double digit returns and the risk isn't as bad as portrayed.

[Bagpuss]

Lending your money out for 3 years, and hoping you get it back, hmmm

[Jog On]

Does it compound?

With all this analysis and weighing up this that and the other have you considered reading some annual reports?

if you're going to expend the effort to assess whether something is worth investing in or not surely double figure returns should be the very least you'd be aiming for?

[WotNxt]

Lending your money out for 3 years, and hoping you get it back, hmmm

Actually, you get it back in chunks as it is paid back. You are then free to re-lend it.

ps. and lend the interest too!

[MarillionFan]

"Real money sunshine, not Monopoly notes or lira."

Have you seen the price of VMWARE $111!!! up from $29!!!!!!

[AtW]

"Real money sunshine, not Monopoly notes or lira."

Have you seen the price of VMWARE $111!!! up from $29!!!!!!

Have you seen the price of GOOG, up from 75 to 600

[max]

Zopa splits your investment in to chunks which it sells to debtors. By spreading the risk, the theory is that you won't lose all of your money. The credit crunch proves that you can still lose a lot of money, however.

Sound familiar? I think the theory has proved bad.

If there is a chance I'm going loose capital, I'd like the chance to gain capital.

[max]

and you invested it into a Nationwide 1 year 6.5% fixed rate bond paying out monthly into your current account, you would receive £2,700 a month.

Buy lloyds. Dividend currently 6.4%, increased this year. Also comes with a tax credit, so no tax to pay until the higher tax level.

Good chance of capital increase.

My annual return for 5 years is averaging 24%, including the recent market malarkey.

[Jog On]

So 6-7% is 'good'?

I'll directly quote Kiyosaki now:

Q - " How does one enjoy the returns of an above average investor?"

A- "Don't be average"

Come on people - this is a place for 'above average'

put up