Monthly Archives: February 2015

A Golden Rule Of Crowdfund Lending

The recent Cambridge University and EY report, benchmarking alternative finance across Europe, has had us all at Money&Co. looking in greater detail at the crowdfunding scene abroad. We found some excellent commentary, and a witty graphic, from our friends across the Channel in France. This article [in French] makes several sound points. The most important, […]

Policy, Regulation, Execution – Cambridge Alt Fi Survey Author Speaks

The reverberations of the pan-European report on alternative finance, co-authored by Cambridge Judge Business School, part of Cambridge University, and EY, the global consulting and accountancy organisation, are only just being felt. The report has been well-received across Europe, with extensive press coverage in the FT, Bloomberg, Le Monde, Les Echos, FD and Der Spiegel […]

CityAM Pinpoints Where The Real Crowdfunding Action Is

The fallout from the recent “Moving Mainstream”survey by Cambridge Judge Business School and EY continues. CityA.M., the leading financial media outlet, runs a series of articles on crowdfunding today. One is penned by Andy Baldwin, the global financial services chair at EY, who notes the strong crowdfunding growth in Europe, with the UK leading the […]

Inflation, Share Prices And Crowdfunded P2P Loans

The FTSE100 share index has finally breached its previous all-time high of 15 years ago. But Nicola Horlick, CEO of Money&Co., wonders what all the fuss is about. In her latest blog, Nicola argues that the FTSE100 has failed to keep up with price inflation, which (depending on the measure you use) has risen over […]

Market High No Cause For Investor Celebration

There was much excitement yesterday when the UK stockmarket finally reached a new all-time high. The FTSE 100 share index closed at 6950, beating its previous high of 6930, which was achieved on 22nd December 1999. There are a number of points to make about this so-called landmark. The first is that if the FTSE […]

New P2P Loan NISAs May Have Lower Limit

Money&Co. and other peer-to-peer (P2P) crowdfunding platforms have long been lobbying the UK government for a separate, third category of tax-free savings plan for individuals. We have been arguing, along with others in our sub-sector of crowdfunding, that in addition to the existing cash and stocks-and-shares versions of the New Individual Savings Account (NISA), which […]

Cambridge Report: UK Dominates Soaring European Alt Fi Market

Today sees the publication of the promised report on the European market for online alternative finance. A number of media outlets carry news of the report, including the Financial Times (subscription required). The FT faithfully records the report’s findings that the market grew by 144 per cent last year to almost Euros 3 billion, and […]

Crowdfunding – Equity And P2P Business Lending Compared

A recent article in the Financial Times spurred our interest. It also reminded us that while we are part of the fast-growing alternative-finance sector known as crowdfunding, what we do at Money&Co. is very different from the equity-raise, property-backed, and other sub-sctors of crowdfunding. Crowdfunding is simply the process of raising money – “funds” – […]

Nicola Horlick – ‘Does It Matter If UK Prices Decline?’

Money&Co. CEO Nicola Horlick voices her concern for UK savers and investors in her latest Money&Co. blog. She argues that many economists believe that the European Central Bank “is not doing enough and that its programme of quantitative easing will not be sufficient to help Europe avoid deflation. If deflation begins to entrench itself in […]

Deflation Risk Is Bad News For Savers

The Bank of England published its quarterly ‘Inflation Report’ last week and the Governor, Mark Carney, said that inflation was expected to fall to zero later this year and that interest rates may be reduced below the current level of 0.5 per cent for a short period to help ensure that Britain does not enter […]