The parting of the ways continues. Mainstream, quoted investment trusts are systematically divesting themselves of their holdings in the peer-to-peer (P2P) alternative finance loan sector. The P2P Global Investments vehicle is the latest, with the sale of one of its biggest holdings, as reported by our friends at P2P Finance News. The gross proceeds from […]
The banks are going to cut back on lending amid Brexit-generated uncertainty. At least, that’s a widely held and loudly ventilated belief coming from some players in the peer-to-peer (P2P0 lending sector. Of course, those P2P players may be talking their own books – seeking to create a vacuum they hope to fill. However, it […]
Question: When is advice not advice? Answer: When it comes from the Financial Conduct Authority (FCA). Let’s start with a little context. There’s been a greater focus on the peer-to-peer (P2P) sector from commentators and regulators, following the lamentable failure of the P2P platform, Lendy. Lendy’s collapse was linked – completely unfairly – with a […]
As regular readers will be aware, we write regularly on the difficulties experienced by institutional investors seeking to take advantage of the peer-to-peer (P2P) loan asset class. Here’s a recent piece describing the “malaise” of institutional investors committing capital by way of investment trust. We’re pleased to report, however, that the problems are not universal. […]
Why take the risk of paying tax on your estate? Inheritance Tax is payable on estates of more than £325,000, but is easily avoidable – although recent news articles indicate that tax changes are imminent. To be sure of taking advantage of the best means of minimising liability, the time to act is now. Here’s […]
The peer-to-peer (P2P) lending sector is fast becoming a case study in doing it yourself. It may be the law of unintended consequences at work, but it seems that investors who commit capital directly (at least on this platform) have done a lot better than those delegating the investment task to a manger of a […]
We thought we’d offer a little something for the week end, with a reminder of the attractions of our managed portfolio service, where all the loans are selected for you and come gift-wrapped, so to speak. Clients of the Money&Co Portfolio Service have access to loans with a typical fixed return of 7%, without the […]
Amid all the uncertainty surrounding you-know-what, there’s at least one thing to rely on: we’ll still be looking to lend to high-quality, small companies, Brexit and economic slowdown or not. Our mission is to help carefully vetted small and medium-sized enterprises (SMEs) find capital for growth, and to help lenders seeking a good return on […]
The arrival of the peer-to-peer (P2P) sector as an accepted asset class is beset by two related problems: image and ignorance. P2P providers have offerings whose quality is decidedly variable when subjected to risk analysis. The yields typically look nice and shiny – but are the investments safe? The image problem occurs because some of […]
Peer-to-peer (P2P) loans have had a tough time in the court of public opinion recently, following the high-profile failure of P2P platform, Lendy. While that’s a disaster for the investors in those loans, there’s an attractive argument that it’s a good thing for the industry generally. The thinking is that the strong will survive. The […]