Be careful what you wish for. Investors seeking to exposure to the equity (share) value of the peer-to-peer (P2P) alternative-finance sector have been able to get in early via investment trusts committed to the area. The experience of the early adopters however has not been a comfortable one. The explanation is simple. Some P2P platforms […]
The latest tranche of the Seascape offering has just been released to market. The offer is for £250,000, with a fixed-rate yield of 8 per cent. The term of the loan of five years. It’s eight per cent subscribed at the time of writing. Below we reproduce an extract of the borrowing company’s representations to […]
The figures aren’t in yet, but it’s possible that the traditional end-of-season rush for investing in Individual Savings Accounts may be a thing of the past. Or at least less of a stampede than it used to be. Why’s that? Because the option of investing in a peer-to-peer (P2P) loan with higher risk and a […]
It’s now almost exactly five years since the first peer-to-peer (P2P) loans were made available for lenders’ perusal on the Money&Co. site. Back then, of course, this young industry was even younger – in the world of alternative finance, five years is a long time. The industry has settled down a little since 2014. Once […]
It’s very early in the new tax year – but surely a good time for an early-bird review of your investments. If you’re looking for income for your annual £20,000 Individual Savings Account allowance, and are prepared to take on board a degree of risk you should take a look at Money&Co.’s portfolio service. Note: […]
Inheritance Tax (IHT) kicks in to estates valued at over £325,000. If you have a house (especially in the South East) that means it may well apply to you. The potential IHT bill can be pretty large. It’s applied at a flat 40 per cent above the threshold. Here’s a worked example offered by the […]
Our friends at P2P Finance News report Money&Co.’s move to promote managed portfolio investing. MONEY&CO is introducing a managed portfolio product that it says will offer extra security to investors by ensuring more diversification. The peer-to-peer business lender, which was founded by City ‘superwoman’ Nicola Horlick, is planning to discontinue single-loan offerings in favour of […]
We’re pleased to announce the recent launch of our latest property-backed loan. North-East Property Investment has a fixed-rate yield of eight per cent over three years. It’s 3 per cent subscribed at the time of writing. As ever, we’ve made our best efforts in due diligence and credit analysis before awarding this loan an A […]
We are not alone. Money&Co. has been in the vanguard of seeking extra security for our lenders, and focusing on property-backed peer-to-peer (P2P) loans. This means we take a legal charge on property and ensure that the loan-to-value figure offers good security. For example, in a recent string of webuyanyhomes.com loans, the loans were typically […]
We’re nicely into the new tax year. And our thoughts turn to plans for the future. The jury remains well and truly out on cryptocurrencies, although the sector has attracted a lot of interest from punters (hard to call them investors) following the 20 per cent surge in the price of Bitcoin in the past […]