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Return is not guaranteed as such it depends on prevailing market rate. See these links and do your research yourself of course. The safeguard thing just cuts out losses from defaulting debtors. You can also get immediate access to the cash with a penalty (1% I think) if you need it...

Hi, yes as others have said peer to peer lending with ZOPA is best if you have spare cash and want a guaranteed return. With their Safeguard offer you are not exposed to losses from defaulting borrowers but the return is lower. Used to be 7% now 5% can still be earned. Been using this site for 5...