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 […]
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 […]
The latest loan on site, rated A+, is filling well at 18 per cent bid. The yield on offer is 7 percent. Platform lending of the kind we facilitate here at Money&Co. can be a lucrative activity. The average yield achieved by our registered lenders over more than five years of loan facilitation on this […]
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 […]
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 […]
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 […]
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 […]
As the latest loan offering on site moves to a close, we thought it opportune to remind lenders and visitors that there is a secondary market in Money&Co,’s peer-to-peer (P2P) loans. The loan market is the place where you can sell some or part of a loan that you already own. We charge 0.25% commission […]
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 […]
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. […]