According to elderscrolls.wiki.com, the investor perk allows you to "invest" 500 gold coins in certain shops, which means you'll have 500 more gold to barter with. Am I missing something? How is this better than just carrying the 500 gold with you? If one invested 500 gold and got a return, say 10%, that would be an advantage. And while we're on the subject this is a pet peeve I had with OB and now Skyrim, that the game doesn't take into account other people doing business with merchants, so their tills and inventory would vary. Once a merchant is out of money you can never sell anymore items at that shop, unless you buy something.