Today we bring news of a service that is not for everyone. It’s a way of reducing liability to Inheritance Tax, which kicks in for people leaving estates of £325,000 or more (in fact, up to £450,000 if a house is included in the estate). With UK property prices being near historical highs – […]
We are pleased to see some evidence that the small businesses we’re all trying to help in the peer-to-peer (P2P) sector are increasingly aware of he alternative funding sources that we’re offering. Our friends at AltFi report on a recent survey. Nearly half of the UK’s small and medium-sized businesses, 49%, are poised to turn […]
Our colleagues in the peer-to-peer (P2P) sector of alternative finance, Zopa, have been at pains to point out that P2P loans are not the same as mini-bonds. This commentary has been taken up and recycled at P2P Finance News. Here’s an extract with which we agree – having pointed out the difference, and the higher […]
As the tax year comes to a close, it seems a good time to remind investors that the choice between different asset classes is not a zero-sum game. You don’t have to choose between investing in stocks and shares versus peer-to-peer (P2P) lending, for example. Both types of asset have different risks and different rewards. […]
As the tax year draws to a close, we revisit the attractions of peer-to-peer (P2p) loans as assets suitable for a self-administered pension plan (SIPP). Our friends at the SIPP Club feature Money&Co. this way – it’s all accurate, but since the publication of this, we’ve added many fixed-rate loans to the platform offerings. What […]
There’s a well-known legal saying that hard cases make bad law. A similar logic applies to regulation – which is not quite legislation or case law, but you probably know what we mean. Our friends at P2P Finance News carry reaction from the industry to the Financial Conduct Authority’s proposed changes to the marketing of […]
Broadly speaking, we think things are better out than in. If there’s a problem with a loan, it should be visible. Lenders need to be told if there’s a something wrong. Having facilitated more than £15 million in loans over almost five years, Money&Co. has seen lenders achieve average returns of more than 8 per […]
As we head for the end of the tax year, our friends at P2P Finance News look at the evolution of the Innovative Finance Individual Savings Account (IFISA). The IFISA is the device by which peer-to-peer (P2P) loans such as those on this platform can offer investors tax-free income. We thought we’d offer a little […]
UK Tech reports on alternative fund sourcing for SMEs. The article focuses on venture capitalists, who are “alive and well”. We couldn’t agree more. But VCs, as the piece points out, are looking to treble their money within three to five years. Money&Co., on the other hand, brings individuals looking for a good return on […]
Loans from property-backed Seascape (currently we are offering number 20 in the series) are proving popular. The latest A-rated tranche yields 8 per cent gross, at a fixed rate for five years. After less than a day, the issue is almost one-quarter subscribed. Bear in mind that while there is no profit without risk, our […]