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 […]
News is what gets notice. The facts themselves may not be remarkable – until they are remarked upon. Witness this article from our friends at P2P Finance News. INVESTORS can earn more than five per cent by investing in the top-rated Innovative Finance ISAs (IFISAs), research claims. By spreading funds across platforms that 4th Way has […]
Wisdom has always been at a premium. In a financial context, it’s become more and more precious (and scarce) following the reform of the way financial products are bought and sold – specifically, the way advisers are allowed to remunerate themselves. Many independent financial advisers (IFAs) have simply given up, after a commission-based structure was […]
Our view of the current problems surrounding the sale of mini-bonds is simple: investors should be extra-careful, and make sure they understand the risks of investment – which must be clearly explained by sellers. As we have been at pains to point out (see Wednesday’s News item) mini-bonds and P2P are different animals. Our friends […]
As an industry, the peer-to-peer (P2P) lending sector hasn’t done a great job of explaining and promoting itself. There’s considerable confusion about what P2P loans are and that’s not been helped by some mischief from sellers of mini-bonds (see this earlier article, which explains the difference). For the record, what we do is bring individuals […]
There has been much coverage of “mini-bonds” in the media recently. Many investors are rightly concerned and understandably confused by all the brouhaha over the catastrophic losses suffered by some mini-bond investors. At Money&Co. we do not offer mini-bonds, but it’s surely a good idea to explain what they are, if only for purposes of […]
We’re truly sorry to Mention it. You know, the B-word… But our friends at P2P Finance News rang our CEO and asked for commentary. See below. MONEY&CO. founder Nicola Horlick has warned that a no-deal Brexit could hurt peer-to-peer lending platforms which rely on asset-backed investments. Horlick, who earned the moniker ‘City superwoman’ while juggling […]
The end of the tax year is upon us, and it’s surely time to look at using your £20,000 annual Individual Savings Account (ISA) allowance, if you haven’t done so already. You may decide to enjoy the tax-free benefits of a peer-to-peer (P2P) loan by holding it in an Innovative Finance ISA. There’s no profit […]