How much do I need to start investing?

With Zopa, you can start investing from as little as £1. 

Not sure how much you should invest? 

Everyone’s financial situation is different, but a popular way to split your monthly income is: 

• 50% for needs: mortgage, rent, bills, food  

• 30% for wants: travel, entertainment, clothes  

• 20% for savings and investments 

So, if your take-home salary is £2,000 a month, a rough rule of thumb is to save and invest £400 of this (including your pension).  

Money you might need in the short term – for things like holidays and emergencies – should go into your savings.  

Money you won’t need for at least 5 years can be invested. While you’re free to withdraw from your investments anytime, experts recommend keeping your money invested for at least 5 years to ride out any short-term ups and downs.