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 […]
Our latest offering is an A-rated five-year loan of £100,000 with an 8 per cent yield; it is secured against property, and is currently 89 per cent filled. This yield can be enjoyed tax-free if the loan is held in an Innovative Finance Individual Savings Account. See below for more. Meanwhile, we revisit the benefits […]
As we move to close the latest A-rated, 8 per cent fixed-rate, property-backed loan offering on site, our credit-analysis committee tells us there are several more offers in the pipeline. In the four years this platform has facilitated over £11 million of peer-to-peer (P2P) loans. Money&Co. lenders have achieved returns of over 8 per […]
We’re heading for the mainstream. Here’s one reason why: Our lenders, in the four years we have been facilitating peer-to-peer (P2P) loans, have achieved returns of over 8 per cent. Inflation in the UK is running near the 3 per cent mark. Set that against the fact that cash deposits that qualify for Individual Savings […]
Our friends at Orca Money look at the taxation of peer-to-peer (P2P) loans. Given that our own P2P lenders have averaged a gross yield of over 8 per cent in over three and a half years, taxation is something lenders should be aware of. Unless, that is, lenders hold their loans via an Individual Sacings […]
If you can’t assess risk, you shouldn’t invest money. With that in mind, we look at the following statement, with which we heartily concur: “Risk versus return in the peer-to-peer lending (P2P) market is defined by the borrowers,” write our friends at Orca Money. We run a short extract of the Orca piece below. As […]
Our friends at Orca Money offer analysis of peer-to-peer (P2P) lending as part of a balanced portfolio. We run an excerpt of their article, with the full text available here. Asset classes have their own varying characteristics, such as level of risk and potential returns in different market conditions. Peer to peer lending is no […]
The new week will bring a new podcast, on the subject of cryptocurrencies, including and led by Bitcoin. There will also be two new loans on site. Meanwhile, here’s a handy overview of the alternative lending ecosystem (see infographic, above), courtesy of our friends at Orca. Money&Co. Podcast: We asked David Buik of London investment […]
There’s a lot to say about the volatile cryptocurrency market. Our friends at Orca Money, a P2P commentator and analyst, share our curiosity. They profess themselves “fascinated by the dramatic rise of cryptocurrencies in the past year. It’s taken Nutmeg, the UK’s leading robo-adviser 5 years and substantial marketing spend to reach 50,000 users. At […]
Tomorrow and tomorrow and tomorrow… the next loan is set creep in (and apologies for the petty pace)…you guessed it – tomorrow! We’ll divulge full detail and offer commentary then. In the interim, our friends at P2P Finance News report welcome regulatory developments in our space. We run a short excerpt from the article here. […]