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Helping maximise potential returns on the money you invest.

Prosper offers investment opportunities with low, fair and transparent fees which may help you keep more of your money.

We do this across cash, public market funds and private market funds for sophisticated and high net worth investors.

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How we’re aiming to boost your returns

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Expertly curated funds

Our funds are carefully curated by our experienced investment committee. They consider a range of factors that might make things worse for customers, such as fee levels, tracking error, or whether a fund meets the new FCA Fair Value tests.
What does FCA fair value mean?

Index-first strategy

It is widely accepted that public market index investing outperforms so-called "actively managed" funds, and the probability than an active fund can outperform them only reduces with time. At Prosper we believe investing is a long-term game and we put indexing at the core of what we offer our members.

Private markets for all

Ultra high-net-worth investors don’t just invest in the same public markets you do. Their money goes into private markets, typically reserved for those able to invest over £100,000 into a single fund. Soon we’ll be able to offer private market access to sophisticated and high-net-worth investors and aim to eventually make this available to all.

Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong.

Investment strategies

Simplify your strategy with indexing

Trying to outperform the market by trading individual stocks is difficult. In fact, even the vast majority of professionals fail.

While all investing carries risk, and your fund may end up worth less than you invest, the risk of that happening reduces as you diversify the types of assets you own.

We believe everyone should have access to index fund investing at the lowest possible cost.

That’s why we’re refunding these costs to you on 30 of the world’s most popular index funds and ETFs if bought during our offer period*. You pay nothing to own these funds, and the compounding benefit of no fees could lead to a higher return. Fees are paid upfront and we refund them annually.

Don’t just take our word for it.
Check out Warren Buffett’s bet with the hedge funds - over a 10-year period, the S&P 500 fund he backed outperformed his hedge fund rival.

Is this right for you?
Index funds have outperformed their active trading rivals during the last 10 years
85.61%
of All Large-Cap funds that underperformed the S&P 500®
94.57%
of Canadian Equity funds that underperformed the S&P/TSX Composite
85%
of Mexico Equity funds that underperformed the S&P/BMV IRT
92.31%
of Brazil Equity funds that underperformed the S&P Brazil BMI
93.02%
of Chile Equity funds that underperformed the S&P Chile BMI
92.84%
of Europe Equity funds that underperformed the S&P Europe 350
84.85%
of MENA EQUITY funds that underperformed the S&P Pan Arab Composite
69.18%
of South African Equity funds that underperformed the S&P South Africa DSW Capped
61.24%
of Indian Equity Large-Cap funds that underperformed the S&P BSE 100
84.46%
of Japanese Large-Cap funds that underperformed the S&P/TOPIX 150
80.89%
of Australian Equity General funds that underperformed the S&P/ASX 200
Source: SPIVA Research Measures. Data correct as of 30th June 2023.
MyMap
Multi Asset Allocator
Global Strategy
LifeStrategy®

Save time with ready-made funds

Investing can be hands-on, detail-oriented and crammed full of admin. It’s easy to lose hours of your time trying to keep track with what’s going on, especially as your portfolio grows.

But it doesn’t have to be this way.

Prosper’s range of ready-made funds are there for those who don’t have the time or desire to be completely hands on, and beginners who don’t yet feel they’ve got enough handle on things to do it themselves.  Curated and managed entirely by the world’s leading asset managers like Blackrock, Vanguard and Fidelity, Prosper members can access a wide group of investments grouped together into a single, diversified fund.

Is this right for you?

Take full control of your portfolio

Want to get more involved? Explore our full range of active and passive funds, which cover a range of strategies, geographies, asset classes, factors and investment themes.

Invest in a mix of equities, bonds and money market instruments and choose from a range of options that match your risk tolerance, investment goals and timeframes.

Prosper gives you curated access to ETFs, OEICs and Investment Trusts.

Is this right for you?

Our guide for creating a smart portfolio

A smart portfolio is tailored to your financial goals, risk tolerance and timeframes. You should make sure to consider:

Diversification

Spread your money across different types of assets, as well as geographic regions, to mitigate risk. Never put all your eggs in one basket.

Risk Tolerance

Choose investments that align with your capacity for loss as well as your attitude to risk.

Cost-effectiveness

Look for low-cost options such as Index Funds to minimise the impact of fees on your returns.

Rebalancing

Regularly review and adjust your portfolio to maintain your asset allocation. This may involve selling or buying certain assets to maintain your intended percentage splits.

Tax efficiency

Some investments offer better tax advantages than others. For example, if you don’t need access to your funds for a long time, then taking advantage of government tax back in a SIPP allows you to compound your returns more efficiently than in an ISA.

Liquidity

Keep enough easily sellable investments in case you need quick access to cash. Index Funds and ETFs are generally highly liquid, but remember the type of account you choose matters and you may not be able to withdraw money you have already invested - for example, you’re unable to withdraw from a pension until you reach the age of 55 (57 from 2028).

Long-term strategy

Invest with a long-term perspective. While short-term fluctuations are normal, sticking to a well-considered investment plan can help you ride them out.
Important note. Always be mindful of your risk tolerance and personal tax situation when choosing your assets. Tax treatment depends on individual circumstances and might change in the future. If you’re unsure about the tax treatment of our products or investing generally, we recommend consulting an advisor as these are important financial decisions.

Example investment portfolio

This example is an illustration only and should not be taken as advice.

More questions?

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