# Prosper

> Prosper is a UK digital wealth manager that brings savings, investments, pensions, and financial guidance into one app, with a focus on low and zero fees. Prosper Savings Limited is authorised and regulated by the Financial Conduct Authority (FCA No. 991710). Capital at risk: the value of investments can go down as well as up, and you may get back less than you invest.

Prosper offers tax-efficient investing through UK accounts (a Stocks & Shares ISA, a SIPP personal pension, and a General Investment Account), a marketplace of cash savings products from FSCS-protected UK banks, and pay-as-you-go financial guidance. It charges no annual platform fee and refunds the underlying fund fees on 30+ ETFs from managers including BlackRock, Vanguard, and Fidelity. SECCL (FCA-regulated and owned by Octopus Group) acts as custodian for customers' investment assets.

## Investments

- [Stocks & Shares ISA](https://www.prosper.co.uk/products/isa): A UK tax wrapper for investing, where gains and dividends are free of UK tax up to the annual ISA allowance. Prosper's version holds 200+ funds and ETFs with no platform fee and supports transferring in existing ISAs.
- [Pension (SIPP)](https://www.prosper.co.uk/products/sipp): A Self-Invested Personal Pension, a UK retirement account the holder controls. Prosper lets customers consolidate existing pensions into one transparent account with low-cost funds and no platform fee.
- [General Investment Account (GIA)](https://www.prosper.co.uk/products/gia): A standard, non-tax-wrapped investment account for investing beyond ISA and pension allowances. UK capital gains tax and dividend tax may apply.
- [Funds](https://www.prosper.co.uk/products/funds): A curated list of 200+ index, portfolio, mutual funds, and ETFs available across Prosper's investment accounts.
- [The Standard Fund](https://www.prosper.co.uk/the-standard-fund): A single ready-made, diversified fund for people who want one long-term option rather than building their own portfolio.
- [Private markets](https://www.prosper.co.uk/products/private-markets): Researched private-market opportunities for portfolio diversification and tax efficiency, available to professional investors only.

## Savings

- [Savings marketplace](https://www.prosper.co.uk/savings): A place to compare and open cash savings accounts (fixed-term, notice, and easy-access) from trusted UK banks, each covered by the Financial Services Compensation Scheme (FSCS).
- [Cash ISA](https://www.prosper.co.uk/products/cash-isa): A UK tax wrapper for cash savings, where interest is free of UK tax up to the annual ISA allowance, with flexible withdrawals and FSCS protection.

## Guidance and pricing

- [Financial guidance](https://www.prosper.co.uk/products/financial-guidance): Pay-as-you-go sessions covering retirement, tax, investments, inheritance, mortgages, and insurance. The first consultation is free, followed by a transparent hourly rate.
- [Fees](https://www.prosper.co.uk/fees): A plain explanation of what Prosper charges and how the business makes money.
- [How does Prosper make money?](https://www.prosper.co.uk/help/en/articles/10007652-how-does-prosper-make-money): A help-centre article detailing Prosper's revenue model, including retained interest on uninvested cash.

## About

- [Our mission and people](https://www.prosper.co.uk/about): Company mission and the team behind Prosper.
- [Investment philosophy](https://www.prosper.co.uk/investment-strategy): Prosper's approach to low, fair, and transparent fees.

## Resources

- [Insights](https://www.prosper.co.uk/resources/insights): Articles and market commentary.
- [Events (Prosper Live)](https://www.prosper.co.uk/resources/prosper-live): Live events and webinars.
- [Help Centre](https://www.prosper.co.uk/help/en): Support articles and frequently asked questions.

## Optional

- [Privacy policy](https://www.prosper.co.uk/documents/privacy-policy)
- [Terms of service](https://www.prosper.co.uk/documents/terms-and-conditions)