We discover a good exposition of the benefits and risks of investing to minimise Inheritance Tax (IHT) liability, courtesy of Wealth Club. See an extended extract below. Our own service is proving very popular. See lower down this piece. What are the main benefits of investing in an IHT portfolio? If you are happy to […]
We all know the difficulties of the times. Amid Brexit uncertainty and the problems faced by income-hungry investors in finding a good home for their capital, our managed portfolio service is proving popular. Here’s a brief reminder of what investors get for their money. Clients of the Money&Co Portfolio Service have access to loans with […]
A snatch of text from a recent report by our friends at AltFi caught our attention. See italicised extract, below. With yields at close to multi-century lows, equities valuations stretched, and Brexit dominating the headlines, attractive alternatives to cash are arguably limited. Platform lending is, no doubt, one such alternative – providing lenders understand the […]
There has been another high-profile collapse in the peer-to-peer (P2P) lending sector. We’ll start with the facts, as reported by the Financial Times: FundingSecure, which offered loans against classic cars and Picasso paintings, has become the second British peer-to-peer lender to collapse in six months. The decision to call in administrators at CG Recovery on […]
The final instalment of our brief review of alternative lending looks at the major similarities and differences between Innovative Finance Individual Savings Accounts and (IFISAs) “mainstream” Individual Savings Accounts (ISAs). IFISA – Similarities With Other ISAs The IFISA is an ISA like any other. The £20,000 annual allowance applies to all types of ISA: IFISAs, […]
In this third instalment of our review of alternative lending, we look at the Financial Conduct Authority’s view of the sector. There’s been a greater focus on the sector following the failure of peer-to-peer (P2P) platforms such as Lendy. Lendy’s failure was linked – completely unfairly – with a number of problems experienced by investors […]
Call it platform lending, marketplace lending or peer-to-peer (P2P) lending, the loans facilitated in our sector are a new asset class. The novelty of platform lending has contributed to a classic case of the syndrome known as fear of the unknown. There have been some high-profile failures in the sector. The lesson we’ve learned from […]
We are going to offer a comprehensive review of lending in alternative finance over the next few days. This is the first of four instalments. Platforms like ours are relatively new kids on the block in the world of high-yield products. It’s so new the terminology hasn’t settled down. It’s known as platform lending, marketplace […]
The Financial Services Bill, laid out in this week’s Queen’s Speech, aims to bring “certainty, stability and new opportunities” to the UK banking industry, report our friends at AltFi. The Bill is geared to ensuring the UK’s financial rules continue after Brexit as well as the UK remaining open to international markets. The Bill will be debated on […]
There is news of a lack of liquidity at some peer-to-peer (P2P) platforms. As the latest loan offerings on this site move to a close, we thought it opportune to remind lenders and visitors that there is a thriving secondary market in Money&Co.’s loans. The loan market is the place where you can sell some […]