Today, we revisit a timeless classic of our repository of investment wisdom: the benefit of spreading risk. Conveniently enough, we have an investment product that facilitates just such an outcome. Diversification in your loan portfolio We run an excerpt from an earlier, home-grown piece here in News on the benefits of diversification. Clients of the […]
Why take the risk of paying tax on your estate? Inheritance Tax is payable on estates of more than £325,000, but is easily avoidable – although recent news articles indicate that tax changes are imminent. To be sure of taking advantage of the best means of minimising liability, the time to act is now. Here’s […]
A house can be more than a home. It can also be a serious tax problem. Average house prices in England are nearly a quarter of a million pounds and the threshold for Inheritance Tax (IT) on death is £325,000 (after which tax applies at a flat 40 per cent rate). London average prices are […]
Hello. The new year is in, and we welcome 2019 with renewed emphasis on Money&Co.’s just-launched Portfolio Innovative Finance Individual Savings Account, which is managed by Bramdean Asset Management (an FCA-regulated fund management business). This service has already attracted significant volumes of business (in the final quarter of 2018) – and the prospects look excellent, […]
Funding Circle is the oldest and biggest player in the peer-to-peer (P2P) market. It recently announced its intention to float on the UK stock market and raise £300 million by selling shares in the company. Funding Circle has facilitated loans of more than £5 billion to over 50,000 small businesses. The initial public offering (IPO) […]
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 […]
We’re pleased to report the launch of a new A-rated loan offer on site. The company seeking funds for growth is a repeat borrower, seeking its fifth tranche of credit from Money&Co. lenders, who seem comfortable with the business model, and the company’s thus far exemplary track record in servicing its debt. Below, we offer […]
Peer-to-peer (P2P) returns can be excellent. For risk-aware lenders looking for good returns on capital by lending to carefully vetted small-business borrowers, P2P is well worth a close look. The average gross return on loans facilitated by this site is just under 9 per cent (that’s 8 net – taking off our 1 per cent charge). […]
It never rains, but it pours. Following a long period without loan offerings, we’re delighted to have been able to bring two well-received loans to the Money&Co. platform in less than a fortnight. In both cases, the borrower has exercised the option to close early – the second loan is closing today, within a matter […]
There’s much talk of alternative finance entering the mainstream. But what does that really mean? It’s difficult to provide a comprehensive answer, but acceptance and understanding of what altfi provides is certainly a big part of it. As far as Money&Co. is concerned, we have to spread the word about peer-to-peer (P2P) lending to small businesses (matching […]