Peer-to-peer lending and robo-advice can be great solutions for traders, but your research should always be thorough.
FM
Jordan Stodart
This article was written by Jordan Stodart, Chief Marketing Officer at Orca Money.
There’s only a few weeks left in 2016 and given the tumultuous year we’ve had in the UK, and further afield, deciding where to invest your capital is something we should all be seriously considering.
Let’s evaluate the benefits of investing your money in these innovative investment models.
Retail Investor Benefits (P2P Lending)
Peer-to-peer lending has an established investor-base. Namely, retail investors. The average deposit across a platform is around the £5,000 mark, however, with minimum investments of £10 in several cases, you could be lending capital and earning rates in the region 5% p.a plus in no time.
High Yield Returns
With a peer-to-peer investment you can expect returns significantly higher than those on offer from a high-street bank. With a record-low base saving rate of 0.25%, it is little wonder people are searching for an alternative. And with interest rates ranging 3-19% p.a, P2P lending could be that alternative.
The major P2P lending platforms, such as Zopa, RateSetter and Funding Circle (£1 billion+ lent by each), tend to return 3-7% p.a, depending on the platform and product. More risky platforms, where you are expected to select your own loans with potentially fewer protective measures, can return 10%+. It’s down to your risk appetite, fundamentally.
Investment Security
All major P2P platforms implement risk mitigation procedures, some more robust than others, but here are the typical security measures implemented to protect your capital.
Asset security
This is especially common with property and SME lending platforms, where asset debentures (eg: 1st charge and 2nd charge) secure the loan with typical max. Loan-to-value rates of c.75% ensure that should the markets decline and the asset depreciates in value, there should be a reasonable percentage buffer. This is never a guarantee, but LTVs tend to be of an acceptable level.
Provision fund
RateSetter established the first provision fund in the UK P2P market, and many platforms have followed suit, including Zopa, Wellesley & Co, Assetz Capital and others. This fund, or 'safety net', will usually take a portion of borrower repayments, store them, and use them at the directors’ discretion to repay any loan defaults. The fund tends to sit at a percentage of the live loan book, but if a large quantity of borrowers default simultaneously then the fund may not be of sufficient value to cover all losses. Loan book stress tests do well to prove the robustness of a platform’s provision fund.
Diversification
Peer-to-peer lending platforms Zopa and RateSetter spread your capital between dozens of borrowers, in some cases up to 100. This ensures that, should one borrower default, it shouldn’t impact your investment drastically. Conversely, some more bespoke platforms, where you manually select loans, dictate that you are responsible for your own diversification, i.e. you need to be fairly knowledgeable and arguably less risk averse.
Innovative Finance ISA (IFISA)
One of the big perks in the industry that grabbed major headlines was the launch of the Innovative Finance ISA in April 2016. The government has put its cards on the table, giving peer-to-peer lending the stamp of approval.
£15,240 annual allowance (any amount) can be subscribed to one IFISA per year.
Funds can be transferred from old ISAs to an IFISA with no limit.
3rd party IFISA providers allow you to invest in multiple P2P products from different platforms.
No tax on interest earned from your P2P investments stored in an IFISA.
It’s very important to remember that peer-to-peer lending is not a savings product and is not covered by the FSCS, but is regulated by the FCA.
Digital investment management may be a difficult to get your head around, given that your portfolio is allocated and managed by an algorithm, essentially. But, for the experienced investor who is fed up of their IFA, or for the digitally savvy person keen to get into stock-market investing, robo could be a great option.
Affordability
Investing through an IFA has been reserved for the wealthy for years. Charging 2-3% Assets Under Management (AUM) is just not economical for many who want to start making more money from their money.
Most robo-adviser charges fall under 1% AUM annually, with some waiving their own fees for first time investors.
Accessibility
An online questionnaire process determines your risk profile. You are then allocated a risk portfolio, corresponding with your risk score. A secure online dashboard allows you to view your portfolio (top 3 robo-advisers offer this) and alter aspects, but not the overall risk. You can view your portfolio’s performance 24/7.
Discretionary Management
Once funds are invested, the robo-adviser manages the portfolio for you. It will rebalance your asset allocation within the portfolio automatically, depending on market performance. You are not required to have any active involvement in the investment process, unlike with an IFA.
So, whether you are new to investing or a seasoned pro, peer-to-peer lending and/or robo-advice can cater to all and provide you with those long-awaited returns. It is critically important, however, that you thoroughly research the platforms and products (P2P and robo) on offer, as some are riskier than others, and there is always a chance you could lose money.
Jordan Stodart
This article was written by Jordan Stodart, Chief Marketing Officer at Orca Money.
There’s only a few weeks left in 2016 and given the tumultuous year we’ve had in the UK, and further afield, deciding where to invest your capital is something we should all be seriously considering.
Let’s evaluate the benefits of investing your money in these innovative investment models.
Retail Investor Benefits (P2P Lending)
Peer-to-peer lending has an established investor-base. Namely, retail investors. The average deposit across a platform is around the £5,000 mark, however, with minimum investments of £10 in several cases, you could be lending capital and earning rates in the region 5% p.a plus in no time.
High Yield Returns
With a peer-to-peer investment you can expect returns significantly higher than those on offer from a high-street bank. With a record-low base saving rate of 0.25%, it is little wonder people are searching for an alternative. And with interest rates ranging 3-19% p.a, P2P lending could be that alternative.
The major P2P lending platforms, such as Zopa, RateSetter and Funding Circle (£1 billion+ lent by each), tend to return 3-7% p.a, depending on the platform and product. More risky platforms, where you are expected to select your own loans with potentially fewer protective measures, can return 10%+. It’s down to your risk appetite, fundamentally.
Investment Security
All major P2P platforms implement risk mitigation procedures, some more robust than others, but here are the typical security measures implemented to protect your capital.
Asset security
This is especially common with property and SME lending platforms, where asset debentures (eg: 1st charge and 2nd charge) secure the loan with typical max. Loan-to-value rates of c.75% ensure that should the markets decline and the asset depreciates in value, there should be a reasonable percentage buffer. This is never a guarantee, but LTVs tend to be of an acceptable level.
Provision fund
RateSetter established the first provision fund in the UK P2P market, and many platforms have followed suit, including Zopa, Wellesley & Co, Assetz Capital and others. This fund, or 'safety net', will usually take a portion of borrower repayments, store them, and use them at the directors’ discretion to repay any loan defaults. The fund tends to sit at a percentage of the live loan book, but if a large quantity of borrowers default simultaneously then the fund may not be of sufficient value to cover all losses. Loan book stress tests do well to prove the robustness of a platform’s provision fund.
Diversification
Peer-to-peer lending platforms Zopa and RateSetter spread your capital between dozens of borrowers, in some cases up to 100. This ensures that, should one borrower default, it shouldn’t impact your investment drastically. Conversely, some more bespoke platforms, where you manually select loans, dictate that you are responsible for your own diversification, i.e. you need to be fairly knowledgeable and arguably less risk averse.
Innovative Finance ISA (IFISA)
One of the big perks in the industry that grabbed major headlines was the launch of the Innovative Finance ISA in April 2016. The government has put its cards on the table, giving peer-to-peer lending the stamp of approval.
£15,240 annual allowance (any amount) can be subscribed to one IFISA per year.
Funds can be transferred from old ISAs to an IFISA with no limit.
3rd party IFISA providers allow you to invest in multiple P2P products from different platforms.
No tax on interest earned from your P2P investments stored in an IFISA.
It’s very important to remember that peer-to-peer lending is not a savings product and is not covered by the FSCS, but is regulated by the FCA.
Digital investment management may be a difficult to get your head around, given that your portfolio is allocated and managed by an algorithm, essentially. But, for the experienced investor who is fed up of their IFA, or for the digitally savvy person keen to get into stock-market investing, robo could be a great option.
Affordability
Investing through an IFA has been reserved for the wealthy for years. Charging 2-3% Assets Under Management (AUM) is just not economical for many who want to start making more money from their money.
Most robo-adviser charges fall under 1% AUM annually, with some waiving their own fees for first time investors.
Accessibility
An online questionnaire process determines your risk profile. You are then allocated a risk portfolio, corresponding with your risk score. A secure online dashboard allows you to view your portfolio (top 3 robo-advisers offer this) and alter aspects, but not the overall risk. You can view your portfolio’s performance 24/7.
Discretionary Management
Once funds are invested, the robo-adviser manages the portfolio for you. It will rebalance your asset allocation within the portfolio automatically, depending on market performance. You are not required to have any active involvement in the investment process, unlike with an IFA.
So, whether you are new to investing or a seasoned pro, peer-to-peer lending and/or robo-advice can cater to all and provide you with those long-awaited returns. It is critically important, however, that you thoroughly research the platforms and products (P2P and robo) on offer, as some are riskier than others, and there is always a chance you could lose money.
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How are #crypto execution venues reshaping the digital asset space for retail and institutional brokers? In this exclusive interview, Brandon Mulvihill, Co-Founder and CEO of Crossover Markets, shares insights on the gaps in market structure, innovations in crypto #trading, and the future of digital asset infrastructure.
With the emergence of ECNs in crypto and declining costs of trading, the digital asset space is maturing rapidly. Discover how macro trends like pro-crypto sentiment, institutional participation, and regulatory optimism are driving growth and reshaping opportunities in the crypto markets.
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💳 #Payments Innovation and #Fintech Trends: Insights from Laura McCracken 💳
In this interview, Laura McCracken, Non-Executive Director at Guava, explores how financial services are evolving through rebundling, the rise of #financial super apps, and embedded finance. As customers demand simplicity, fintech startups are driving innovation in cross-border payments and remittances, with unconventional partnerships—like social media platforms—unlocking new global opportunities. From streamlining payments to integrating services into daily life, the future lies in efficient, unified solutions that deliver value to both businesses and consumers.
#fmls #fmls24 #fmevents
📣 Stay updated with the latest in finance and trading!
Follow FMevents across our social media platforms for news, insights, and event updates.
Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/showcase/financemagnates-events/
👍 Facebook: https://www.facebook.com/FinanceMagnatesEvents
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Don't miss out on our latest videos, interviews, and event coverage.
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💳 #Payments Innovation and #Fintech Trends: Insights from Laura McCracken 💳
In this interview, Laura McCracken, Non-Executive Director at Guava, explores how financial services are evolving through rebundling, the rise of #financial super apps, and embedded finance. As customers demand simplicity, fintech startups are driving innovation in cross-border payments and remittances, with unconventional partnerships—like social media platforms—unlocking new global opportunities. From streamlining payments to integrating services into daily life, the future lies in efficient, unified solutions that deliver value to both businesses and consumers.
#fmls #fmls24 #fmevents
📣 Stay updated with the latest in finance and trading!
Follow FMevents across our social media platforms for news, insights, and event updates.
Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/showcase/financemagnates-events/
👍 Facebook: https://www.facebook.com/FinanceMagnatesEvents
📸 Instagram: https://www.instagram.com/fmevents_official
🐦 Twitter: https://twitter.com/F_M_events
🎥 TikTok: https://www.tiktok.com/@fmevents_official
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Don't miss out on our latest videos, interviews, and event coverage.
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💳 #Payments Innovation and #Fintech Trends: Insights from Laura McCracken 💳
In this interview, Laura McCracken, Non-Executive Director at Guava, explores how financial services are evolving through rebundling, the rise of #financial super apps, and embedded finance. As customers demand simplicity, fintech startups are driving innovation in cross-border payments and remittances, with unconventional partnerships—like social media platforms—unlocking new global opportunities. From streamlining payments to integrating services into daily life, the future lies in efficient, unified solutions that deliver value to both businesses and consumers.
#fmls #fmls24 #fmevents
📣 Stay updated with the latest in finance and trading!
Follow FMevents across our social media platforms for news, insights, and event updates.
Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/showcase/financemagnates-events/
👍 Facebook: https://www.facebook.com/FinanceMagnatesEvents
📸 Instagram: https://www.instagram.com/fmevents_official
🐦 Twitter: https://twitter.com/F_M_events
🎥 TikTok: https://www.tiktok.com/@fmevents_official
▶️ YouTube: https://www.youtube.com/@FinanceMagnates_official
Don't miss out on our latest videos, interviews, and event coverage.
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💳 #Payments Innovation and #Fintech Trends: Insights from Laura McCracken 💳
In this interview, Laura McCracken, Non-Executive Director at Guava, explores how financial services are evolving through rebundling, the rise of #financial super apps, and embedded finance. As customers demand simplicity, fintech startups are driving innovation in cross-border payments and remittances, with unconventional partnerships—like social media platforms—unlocking new global opportunities. From streamlining payments to integrating services into daily life, the future lies in efficient, unified solutions that deliver value to both businesses and consumers.
#fmls #fmls24 #fmevents
📣 Stay updated with the latest in finance and trading!
Follow FMevents across our social media platforms for news, insights, and event updates.
Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/showcase/financemagnates-events/
👍 Facebook: https://www.facebook.com/FinanceMagnatesEvents
📸 Instagram: https://www.instagram.com/fmevents_official
🐦 Twitter: https://twitter.com/F_M_events
🎥 TikTok: https://www.tiktok.com/@fmevents_official
▶️ YouTube: https://www.youtube.com/@FinanceMagnates_official
Don't miss out on our latest videos, interviews, and event coverage.
Subscribe to our YouTube channel for more!
💳 #Payments Innovation and #Fintech Trends: Insights from Laura McCracken 💳
In this interview, Laura McCracken, Non-Executive Director at Guava, explores how financial services are evolving through rebundling, the rise of #financial super apps, and embedded finance. As customers demand simplicity, fintech startups are driving innovation in cross-border payments and remittances, with unconventional partnerships—like social media platforms—unlocking new global opportunities. From streamlining payments to integrating services into daily life, the future lies in efficient, unified solutions that deliver value to both businesses and consumers.
#fmls #fmls24 #fmevents
📣 Stay updated with the latest in finance and trading!
Follow FMevents across our social media platforms for news, insights, and event updates.
Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/showcase/financemagnates-events/
👍 Facebook: https://www.facebook.com/FinanceMagnatesEvents
📸 Instagram: https://www.instagram.com/fmevents_official
🐦 Twitter: https://twitter.com/F_M_events
🎥 TikTok: https://www.tiktok.com/@fmevents_official
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Don't miss out on our latest videos, interviews, and event coverage.
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Executive Interview with Sonia Barlow | LMF Network | FMLS:24
Executive Interview with Sonia Barlow | LMF Network | FMLS:24
Executive Interview with Sonia Barlow | LMF Network | FMLS:24
Executive Interview with Sonia Barlow | LMF Network | FMLS:24
Executive Interview with Sonia Barlow | LMF Network | FMLS:24
Executive Interview with Sonia Barlow | LMF Network | FMLS:24
Diversity, Inclusion, and Entrepreneurship in Fintech: Insights from Sonia, Founder of LMF Network
How can #fintech leaders build inclusive workplaces, retain top talent, and drive meaningful change in 2025? In this engaging interview, Sonia, Founder of the LMF #Network, discusses the importance of #diversity, equity, and upskilling in modern workplaces. From practical tips for scaling businesses to addressing misconceptions about inclusion, Sonia shares actionable insights for leaders, entrepreneurs, and fintech professionals.
#fmls #fmls24 #fmevents
📣 Stay updated with the latest in finance and trading!
Follow FMevents across our social media platforms for news, insights, and event updates.
Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/showcase/financemagnates-events/
👍 Facebook: https://www.facebook.com/FinanceMagnatesEvents
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🐦 Twitter: https://twitter.com/F_M_events
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Don't miss out on our latest videos, interviews, and event coverage.
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Diversity, Inclusion, and Entrepreneurship in Fintech: Insights from Sonia, Founder of LMF Network
How can #fintech leaders build inclusive workplaces, retain top talent, and drive meaningful change in 2025? In this engaging interview, Sonia, Founder of the LMF #Network, discusses the importance of #diversity, equity, and upskilling in modern workplaces. From practical tips for scaling businesses to addressing misconceptions about inclusion, Sonia shares actionable insights for leaders, entrepreneurs, and fintech professionals.
#fmls #fmls24 #fmevents
📣 Stay updated with the latest in finance and trading!
Follow FMevents across our social media platforms for news, insights, and event updates.
Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/showcase/financemagnates-events/
👍 Facebook: https://www.facebook.com/FinanceMagnatesEvents
📸 Instagram: https://www.instagram.com/fmevents_official
🐦 Twitter: https://twitter.com/F_M_events
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▶️ YouTube: https://www.youtube.com/@FinanceMagnates_official
Don't miss out on our latest videos, interviews, and event coverage.
Subscribe to our YouTube channel for more!
Diversity, Inclusion, and Entrepreneurship in Fintech: Insights from Sonia, Founder of LMF Network
How can #fintech leaders build inclusive workplaces, retain top talent, and drive meaningful change in 2025? In this engaging interview, Sonia, Founder of the LMF #Network, discusses the importance of #diversity, equity, and upskilling in modern workplaces. From practical tips for scaling businesses to addressing misconceptions about inclusion, Sonia shares actionable insights for leaders, entrepreneurs, and fintech professionals.
#fmls #fmls24 #fmevents
📣 Stay updated with the latest in finance and trading!
Follow FMevents across our social media platforms for news, insights, and event updates.
Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/showcase/financemagnates-events/
👍 Facebook: https://www.facebook.com/FinanceMagnatesEvents
📸 Instagram: https://www.instagram.com/fmevents_official
🐦 Twitter: https://twitter.com/F_M_events
🎥 TikTok: https://www.tiktok.com/@fmevents_official
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Don't miss out on our latest videos, interviews, and event coverage.
Subscribe to our YouTube channel for more!
Diversity, Inclusion, and Entrepreneurship in Fintech: Insights from Sonia, Founder of LMF Network
How can #fintech leaders build inclusive workplaces, retain top talent, and drive meaningful change in 2025? In this engaging interview, Sonia, Founder of the LMF #Network, discusses the importance of #diversity, equity, and upskilling in modern workplaces. From practical tips for scaling businesses to addressing misconceptions about inclusion, Sonia shares actionable insights for leaders, entrepreneurs, and fintech professionals.
#fmls #fmls24 #fmevents
📣 Stay updated with the latest in finance and trading!
Follow FMevents across our social media platforms for news, insights, and event updates.
Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/showcase/financemagnates-events/
👍 Facebook: https://www.facebook.com/FinanceMagnatesEvents
📸 Instagram: https://www.instagram.com/fmevents_official
🐦 Twitter: https://twitter.com/F_M_events
🎥 TikTok: https://www.tiktok.com/@fmevents_official
▶️ YouTube: https://www.youtube.com/@FinanceMagnates_official
Don't miss out on our latest videos, interviews, and event coverage.
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Diversity, Inclusion, and Entrepreneurship in Fintech: Insights from Sonia, Founder of LMF Network
How can #fintech leaders build inclusive workplaces, retain top talent, and drive meaningful change in 2025? In this engaging interview, Sonia, Founder of the LMF #Network, discusses the importance of #diversity, equity, and upskilling in modern workplaces. From practical tips for scaling businesses to addressing misconceptions about inclusion, Sonia shares actionable insights for leaders, entrepreneurs, and fintech professionals.
#fmls #fmls24 #fmevents
📣 Stay updated with the latest in finance and trading!
Follow FMevents across our social media platforms for news, insights, and event updates.
Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/showcase/financemagnates-events/
👍 Facebook: https://www.facebook.com/FinanceMagnatesEvents
📸 Instagram: https://www.instagram.com/fmevents_official
🐦 Twitter: https://twitter.com/F_M_events
🎥 TikTok: https://www.tiktok.com/@fmevents_official
▶️ YouTube: https://www.youtube.com/@FinanceMagnates_official
Don't miss out on our latest videos, interviews, and event coverage.
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Diversity, Inclusion, and Entrepreneurship in Fintech: Insights from Sonia, Founder of LMF Network
How can #fintech leaders build inclusive workplaces, retain top talent, and drive meaningful change in 2025? In this engaging interview, Sonia, Founder of the LMF #Network, discusses the importance of #diversity, equity, and upskilling in modern workplaces. From practical tips for scaling businesses to addressing misconceptions about inclusion, Sonia shares actionable insights for leaders, entrepreneurs, and fintech professionals.
#fmls #fmls24 #fmevents
📣 Stay updated with the latest in finance and trading!
Follow FMevents across our social media platforms for news, insights, and event updates.
Connect with us today:
🔗 LinkedIn: https://www.linkedin.com/showcase/financemagnates-events/
👍 Facebook: https://www.facebook.com/FinanceMagnatesEvents
📸 Instagram: https://www.instagram.com/fmevents_official
🐦 Twitter: https://twitter.com/F_M_events
🎥 TikTok: https://www.tiktok.com/@fmevents_official
▶️ YouTube: https://www.youtube.com/@FinanceMagnates_official
Don't miss out on our latest videos, interviews, and event coverage.
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