Ahead of tomorrow’s Talking Money seminar near Farnham, we thought we’d revisit the whole idea of managing money, which is undoubtedly a complicated business. Money management is a whole sub-sector of financial services dedicated to getting the best value for capital invested. All the while, the money managers have to use their best efforts to keep […]
Next Wednesday evening offers an opportunity to mix business and pleasure. Money&Co. founder, Nicola Horlick, will be the keynote speaker at an evening near Farnham, Surrey, organised by talkingmoney.co. The event is free, and includes a “glass of fizz” (we’re guessing Prosecco). The venue is the imaginatively titled Bears At The Packhouse. This won’t […]
Our friends at Crowdfundinsider offer a report of strong performance from a peer-to-peer (P2P) lender group. These figures can be seen as a good indicator of the robust health of the industry generally. The UK Peer-to-Peer Finance Association(P2PFA) has published fourth quarter numbers for member platforms. According to their data, cumulative lending now tops £9.5 billion […]
We like to take a regular look at investment trusts committed to the peer-to-peer (P2P) sector. Investment trusts are quoted shares and so have the potential upside of an equity asset (as well as the downside risk of loss). Fans of P2P-invested investment trusts argue that the relatively high dividend returns offset the risk. Below, […]
Today we bring you a cautionary tale. But before we get into the detail of a report on how things can go wrong, we thought we’d take the opportunity to revisit our own credit model and the steps Money&Co. takes to avoid bad debts. Before a company can come on to the platform and solicit […]
Our friends at P2P Finance News report a lack of appetite for risk amongst baby boomers. Registered Money&Co. lenders have averaged a return of over 8 per cent since we began facilitating loans in 2014. The return is attractive – but, as we frequently stress, it’s very important to understand the risks that come with […]
P2P Loans And SIPPS Today, we look at the often ignored 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 […]
The performance of the peer-to-peer (P2P) sector in difficult times is a frequently visited topic. P2P Finance News is the latest visitor to this space. With credit conditions getting tougher, one of the ‘big three’ peer-to-peer lending platforms, Funding Circle, recently lowered its annual return projections. It should be noted that the ‘big three’ platforms […]
We report regularly on the slow uptake of peer-to-peer (P2P) by the mainstream media. Part of the reason it’s taken a while for P2P loans to be recognised as an asset class is the difficult start experienced by some of the early adapters. P2P loans and/or platforms feature in the portfolios of some investment trusts. […]
We are pleased to announce the latest tranche of the Seascape offering has 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. Below we reproduce an extract of the borrowing company’s representations to lenders. While the offer has been […]