A significant part of Skyrim’s gameplay revolves around its economy, and economy, in turn, is mostly influenced by your speech skill that can, when raised enough, help you accumulate quite the wealth. One of the most important speechcraft perks you can acquire is the so-called “Investor” perk, but some players have trouble utilizing this perk to the fullest due to the various bugs. So, we created this guide to explain how to use the “Investor” perk effectively in Skyrim. 

Investor perk will allow you to invest 500 gold in merchants to raise their overall gold available for bartering by 500 gold. All you need to do is navigate to the “I want to invest in your business” option while you are navigating through the dialogue options. However, You should consider that some merchants are affected by a bug that allows you to invest in their store for an infinite amount of times without ever remembering that you already invested in them. Their overall gold, however, will never increase. 

Now that we’ve covered how to use the investor perks, it’s time to analyze it in a bit more detail. If you’re interested in how to unlock the perk and how to utilize it the best, stay with us and keep reading!

What speech level do you need to be to unlock Investor perk? 

Generally, you will level speech every time you trade with the merchants or interact with other NPCs via special dialogue options such as bribe, threaten, etc., and it shouldn’t be too hard to max out speech in the mid-game, as there are various effective guides on how to do it. But luckily for you, you don’t have to be a master level in speech to unlock the Investor Perk. You just need to spend a lot of points in the skill tree and be fairly proficient at it. 

You can unlock the Investor perk as soon as you hit level 70 in speech, and if you’ve previously unlocked the “Merchant” perk, that allows you to sell any type of item to any kind of merchant. This is among the most useful perks in the tree, so generally, everybody who decides to orient their character to, well, the speech will strive to get this perk as soon as possible. It makes flipping goods faster than usual, but it also causes your “go-to” merchants to be drained of funds relatively quickly, and this is where the Investor perk comes on. 

What does Investor perk do & how to use it? 

Investor perk allows you to invest 500 gold in merchants that can be found all over Skyrim. The perk is not limited to a type of merchant since you can invest in alchemists, smiths, or general merchants. It really doesn’t matter as long as the merchant in question is not affected by a bug. You can find a list of all investable merchants here, but keep in mind that the bugs that affect various merchants can be fixed with the Unofficial Skyrim Patch at any given time.

As soon as you activate the perk, the first time you wander into a shop and activate the dialogue with the merchant, you will get the following choice “I would like to invest in your business.” As soon as you click on that line, the money will be subtracted from your inventory immediately, and the merchant’s gold will be raised by that amount (500 gold). 

It’s a pretty useful perk to have, but most people are just not willing to invest in it early on in the game. Luckily the legendary skills allow you to acquire all perks eventually if you’re persistent enough and willing to grind. 

You can invest only once in any given merchant.

Bugs that affect the Investor perk 

Most of the players get confused by the perk since the option to invest is not present for at least 1/3 of the game’s merchants, and it’s mostly due to random bugs affecting them. So if the option to invest is missing, there is a really large chance that the merchant in question is simply “un-investable” due to a bug and not by design. You can resolve most of those issues by using various unofficial patches. 

Some bugs are more bizarre in nature, like the one affecting Angeline Morrard in Angeline’s Aromatics. This apothecary will allow you to invest in its store endlessly; as long as you have the funds, the merchant seemingly forgets about it, but, there’s a catch, her base gold will never rise. It will always stay at the pre-investment levels, which results in all your investments being lost forever.

It’s probably best to avoid investing in Angeline if you don’t plan on installing the Unofficial Patch. 

Ghorza gra-Bagol, an orc smith that can be found near Understone Keep, has the option to invest in her, but the only dialogue option is to refuse the investment making it impossible to raise her standard gold by 500. 

You can install Unofficial Skyrim Legendary Edition Patch to fix this bug, or you can simply “dispose” of Ghorza and wait for her apprentice, Tacitus Sallustius, to take over the store. In this case, you should be able to invest in the store without any issues. 

What is the difference between the Investor perk and Master Trader perk? 

Both the Investor perk and Master Trader perk allow you to raise the standard gold of merchants in Skyrim by 500 and 1000 gold, respectively, but there are some differences between the two perks. Namely, the Master Trader perk is significantly harder to acquire because it requires you to be level 100 in speech and it requires you to have almost all other prior perks activated. 

Master Trader perk will also add 1000 gold to all merchants, but it doesn’t require you to invest your own gold in traders. The game does it automatically, meaning it doesn’t cost you anything. It’s a useful perk to have, and it will allow you to accumulate wealth rapidly, but it might take some time for you to get there, and most players don’t want to prioritize speech in early or mid-game.

And by the time you are ready to invest all those points in speech, you might already be rich beyond your wildest dreams, so the perk might appear to be useless.