When I invest with Zopa, where does my money go?  

Both of the ready-made funds we offer (Bold and Balanced) are made up of a combination of shares (equities) and bonds.  

• Bonds are like loans. You lend money to a government or company, and they pay you interest in return. Bonds are usually fairly stable and predictable.  

• Shares are small parts of a company. The value of your shares depends on how well the company is doing. Shares typically have more ups and downs than bonds, but offer higher growth potential.  

Funds are a good way to reduce the risk of investing because they spread your money across hundreds many different of companies, industries and countries, so not all your eggs are in one basket. With over 2,000 investments in each fund, you’renot relying on a single company to perform well.