I’m surprised p2p lending has managed to avoid losses to principal as of yet. Maybe it’s too early to say but returns are still positive in my Zopa and RateSetter.

I’m invested in peer to peer, they’ve halved the interest rate for the rest of the year. Seems to be a stampede away from it, me included so there’s a huge delay on cashing it in. They’re currently working on requests made in Mid March.

I think this is a great suggestion if negative interest rates become a thing. It’s capped at £50,000 per person and current returns are only 1.4%. I expect to receive around half of that typically, but there is always the excitement of getting a big one! Backed by the government it’s safe as.

Seems like there are no safe investment nowadays.

Thanks, Sharon. Indeed, their rewards would probably drop too though!