Question: When is saving not really saving? Answer: When it’s an investment. We have long been mindful of the need to highlight the difference between savings and investments. The differentiation of the two is something that the Financial Conduct Authority has stressed in various guidance notes. Our care to highlight the risks inherent in peer-to-peer […]
Peer-to-peer (P2P) crowdfunding is entering the mainstream. We must have written that sentence in different ways more than a dozen times in the past few years. The force is undoubtedly with us, as we introduce individuals looking for a good return on capital to carefully vetted small companies seeking funds to grow. The evidence grows […]
There’s just a week to go to the deadline for those looking to use their full £15,240 allowance of tax-free investment under the auspices of the Innovative Finance Individual Savings Account (IFISA). Our friends at Moneywise, however, ask whether, given the low number of authorisations from the FCA, the IFISA is “a damp squib”. […]
There’s just a week to go to the deadline for those looking to use their full £15,240 allowance of tax-free investment under the auspices of the Innovative Finance Individual Savings Account (IFISA). Our friends at Moneywise, however, ask whether, given the low number of authorisations from the FCA, the IFISA is “a damp squib”. […]
The savings plan season is just getting into full swing. In the first three months of the year, just ahead of the new tax year in early April, there’s often a glut of investment money chasing tax-efficient investment products. Chief amongst these is the Individual Savings Account (ISA) and now also the ISA’s new offshoot, […]
Moneywise explains the basics of peer-to-peer lending, and does a rather fine job of explaining what it is we do here at Money&Co. “Rather than remain in poor-paying high street savings accounts, the more adventurous among you will be far better suited to taking on more risk with different products entirely. Those of you who […]
Was last week’s surprise General Election result really all about the voters’ wallets? All we can say with any certainty is that the pollsters got it wrong, and the Conservatives have what looks to be a workable majority in government. As far as Money&Co. lenders and borrowers are concerned the new Conservative government looks to […]