Tag Archives: security access yield

Investing Across A Spread Of Assets Can Help Lower Risk

A perennial classic revisited. Spreading capital exposure across a range of assets is an excellent way of lowering risk. For lenders on the Money&Co. site, investing in a portfolio of loans is  good way of achieving this. Below, we set out details of an investment product that facilitates just such an outcome. Diversification in your […]

Alternative Investments In Difficult Times

Global equity markets have had a very good run, but we are clearly entering difficult times for mainstream investment channels. Regular readers will know that we have strong reservations about the way mainstream finance has rushed to invest – or should that be “throw money”? – at the alternative-finance sector. Source: Siblis Research The major […]

Platform Lending Revisited – We Scan The Credit Horizon

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 lending or peer-to-peer (P2P) lending. The novelty is relative. Platform lending began in the US in the depths of the 2008 credit crunch. The banks […]

Great Savings Robbery Revisited: Savers ‘Earning A Pittance’

It’s not just us talking about the Great Savings Robbery, even if others don’t use the same terminology. See this from the Daily Mail. Thousands of savers are earning a pittance on cash languishing in more than 1,400 closed easy-access accounts. Banks and building societies routinely launch accounts and withdraw old ones from sale. They […]

P2P Lending And Cash ISAs: Rewards And Risks Are Different

Peer-to-peer (P2P) lending can be a lucrative activity. The average yield achieved by our registered lenders over more than five years of loan facilitation on this platform is more than 8 per cent, before we deduct our one per cent charge. That return has handsomely outperformed retail price inflation, which has averaged around two per […]

P2P Or Not P2P? These Are The Risk-Assessment Questions To Ask

Peer-to-peer (P2P) lenders have done well. With an annual default rate of less than 0.3 per cent over more than £15 million facilitated, Money&Co. lenders have achieved returns of more than 8 per cent gross.  But P2P loans are riskier investments than cash deposits as an asset class – and ease of access. We’ve attached […]

Security, Access, Yield – Look Carefully At P2P Loans Before Investing

As the tax year comes to a close, it seems a good time to remind investors that the choice between different asset classes is not a zero-sum game. You don’t have to choose between investing in stocks and shares versus peer-to-peer (P2P) lending, for example. Both types of asset have different risks and different rewards. […]