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Brexit Opportunities Archover Analysis

Brexit: an opportunity for peer to peer lenders in…

  • October 1, 2017September 30, 2017
  • by Neil

…a world of change

Guest content from Angus Dent, CEO of  P2P lending platform ArchOver

Glancing at the news, you’d be forgiven for thinking that Brexit spelled the end of days for British business. Recent research by Citibase, which surveyed over 1,100 SMEs, revealed that small businesses in the UK are suffering from the prospect of leaving the EU, as one in five companies surveyed recorded a fall in revenues since the historic referendum result. This increasingly bleak picture of the post-Brexit UK economy has left the finance industry on edge about what is to come. Read more “Brexit: an opportunity for peer to peer lenders in…” →

Unbolted Review P2P Reviews

Unbolted Review

  • September 26, 2017December 12, 2017
  • by Neil

Unbolted is a P2P lending platform which focuses on pawn backed security loans and auction related lending, such as sale advances and ‘bid now, pay later’. Founded in December 2014, they lend out to borrowers at a representative APR of 40.3% whilst paying investors between 8% and 10.5% per annum. The lower paying 8% loans (0.65% per month) are ‘gold loans’. These are very well secured: 80% LTV against the scrap metal value with a hedge against gold price fluctuations. Read more “Unbolted Review” →

Nutmeg High Risk portfolio performance Analysis

Nutmeg Robo-Advisor Performance Update

  • September 23, 2017
  • by Neil

I invested in the Nutmeg robo-advisor service at the end of the last tax year to use up my ISA allowance. There are often great cashback offers run by Quidco* and Topcashback* – in my case I had a £170 cashback for a £5,000+ investment which works out at an additional 3.4% return. At this moment in time it seems as neither cashback site has a link for Nutmeg, but offers may come up towards the end of the tax year as these companies fight for investor cash.

I often get questions from readers and other bloggers asking if I know where to find performance data for robo-advisors. I’ve made a comparison tool of the fees (link: Compare Robo-Advisors) but have struggled to find good data on actual performance. The way these advisors work is to ask you questions about your investment goals and risk tolerance and then design an allocation of ETFs for you. In my case I created 2 portfolios with Nutmeg: one of the absolute highest risk (high risk tolerance and 50 year time frame) and one of the absolute lowest risk. I will try to find a way to export the data and compare to basic low cost ETF trackers but for now here is the summarised data of the last 5 and half months for my Nutmeg portfolios: Read more “Nutmeg Robo-Advisor Performance Update” →

Funding Circle Update P2P News

Funding Circle & The Zopification of SME Lending

  • August 26, 2017August 26, 2017
  • by Neil

There’s a significant change coming to Funding Circle investing on September 18th.

With £2.5 billion in loan finance under their belt, Funding Circle have done a rebrand to their website. However, it’s not just the front end that’s changing: soon Funding Circle are removing the ability for manual investing and reselling. Read more “Funding Circle & The Zopification of SME Lending” →

Buying Cryptocurrency Analysis

Buying CryptoCurrency (Bitcoin, Ethereum, Litecoin etc.)

  • August 15, 2017August 15, 2017
  • by Neil

Given the huge volatility and risks involved, buying cryptocurrency could be the worst investment decision you ever make. For me, it is a bit like the dot com boom: many people recognise that this technology may change the world and are just throwing money at any opportunity to profit from the change. At the same time, historically owners of cryptocoins like Bitcoin have made massive returns and it is interesting to understand how to buy cryptocurrency directly if you want some exposure. This article starts with a basic intro to cryptocurrency, then goes on to show you 3 ways you can obtain them yourself.

Before you read any further, look at these two tweets from a bitcoin analyst as a caution before investing any money: Read more “Buying CryptoCurrency (Bitcoin, Ethereum, Litecoin etc.)” →

European P2P Cashback Offers Analysis

Euro P2P Cashback

  • August 6, 2017November 7, 2017
  • by Neil

A number of continental European peer to peer lending platforms run cashback promotions for new customers. To qualify for these cashback offers you generally have to sign up via a special referral link or use a promo code on sign up. There’s two elements to most EU platforms bonuses:

  • A small completely free bonus on sign up, usually around €5
  • A percentage of your average investment balance over the first few months

First written June 2017, last updated Nov 2017 with updated Mintos Refer a Friend code

Read more “Euro P2P Cashback” →

Top P2P Lending Blogs P2P News

P2PBlog Mentioned Among Top Blogs

  • August 5, 2017
  • by Neil

I had a nice email from Anuj Agarwal (the founder of Feedspot) recently to say that P2PBlog.co.uk had been included in their list of the top 100 Peer to Peer Lending blogs. At first I thought… how did they find 100 Peer to Peer Lending blogs? Read more “P2PBlog Mentioned Among Top Blogs” →

The Student Rental Market Analysis

The Student Rental Market

  • July 17, 2017July 13, 2017
  • by Neil

UOWN is a Property Crowdfunding platform which allows the public to buy individual shares in UK properties. You can invest in a property via the UOWN platform and receive dividends from ongoing rental income and share in potential capital growth. If you join the site, one of the things you’ll notice is that all of the properties listed so far are student rentals. As the student rental market is quite a hot topic at the moment, I asked Sam Davies of UOWN to share some of his understanding of the market:

In the property crowdfunding market, investors have a huge range of property types to choose from. One property type that has always divided opinion is student property. Historically, some people have chosen to steer clear citing the propensity for students to damage fixtures and fittings, and the intense management needed, as not worth the headache. But with the recent staggered removal of income tax relief on mortgage interest, and higher transaction costs from a stamp duty surcharge on buy to let, the government has firmly put the brakes on the market.

Now more people are turning to student property to get the returns that they desire. With that in mind, what are the underlying fundamentals of the student market and what is in store with Brexit on the horizon? Read more “The Student Rental Market” →

UK Self Assessment Taxes p2p lending Analysis

UK P2P Self Assessment Taxes

  • July 4, 2017July 4, 2017
  • by Neil

I’ve been preparing my UK personal self assessment returns to include P2P and Property Crowdfunding income. This posts looks at what I’ve found to be technically necessary and follows up with my interaction with the platforms I invest in: exporting tax reports and specific tax questions. I’ve already written about how the UK government calculates tax on P2P income here, but have pasted in the relevant parts: Read more “UK P2P Self Assessment Taxes” →

Ratesetter Review P2P Reviews

RateSetter Review

  • July 3, 2017July 3, 2017
  • by Neil

RateSetter is a British peer-to-peer lending platform that provides loans to households and businesses. Since launching in Autumn 2010 they’ve lent around £2bn, making them one of the ‘big 3’ platforms (RateSetter, Zopa, Funding Circle).

RateSetter are a ‘hands-off’ platform with no individual loan-part management/selection: you just choose an investment product and rate. For this reason it’s an easier platform to start off with for P2P lending beginners. You choose an investment product and rate of return that you would be happy to lend at, then wait for the lending market to match your offer. Choose a rate that is too high and your money will be sat there without earning interest. Choose a rate that is too low and miss out on higher returns! Read more “RateSetter Review” →

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