Cliff D'Arcy, Freelance Investment Journalist

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Bringing some external thinking to 4thWay, we introduce Cliff D’Arcy.

Cliff’s approach

Freelancer Cliff expresses his own unique views, ensuring you get different opinions to the more typical 4thWay experts and 4thWay researchers’ views.

Cliff takes a decidedly more cautious approach to P2P lending. For example, he believes just 5% of your wealth including your own home should be in P2P loans, compared with the common thinking from 4thWay’s people of around 50% excluding your own home.

About Cliff

Cliff is a mathematician and long-term investor. He is a candid, well-known and highly respected financial and investment journalist, probably best known in the broader industry for “killing payment protection insurance” through his dogged battle to throttle rife overpricing.

He is an author of a book for the Financial Times and was a long-term contributor to The Motley Fool and other investment publications. Cliff started writing about P2P lending just months after the industry was born in 2005 and has been highly focused on P2P lending research for the past three years.

 

After Falling 11%, Are Funding Circle’s Shares A Bargain?

Cliff is an experienced freelance investment journalist hired in as 4thWay’s “Chief P2P Cynic” to give you the alternative view on lending. He is also a specialist in buying shares, so he analyses opportunities to buy shares in P2P lending sites or P2P investment funds. Read about Cliff. On Tuesday, 26th November, the UK government… Read more

What Are P2P Lending Investment Trusts?

Cliff is an experienced journalist hired in as 4thWay’s “Chief P2P Cynic” to give you the alternative view. Read about Cliff. P2P lending investment trusts At the end of September, I wrote an article explaining how UK investors can make money by investing in specialist funds that themselves lend investor money through peer-to-peer (P2P) lending websites… Read more

Have Investors Really Made Money From P2P Lending Funds?

Cliff is an experienced freelance journalist hired in as 4thWay’s “Chief P2P Cynic” to give you the alternative view. Read about Cliff. Typically, UK investors have two main options when it comes to lending out their cash via peer-to-peer (P2P) websites. The first is to lend manually, making personal decisions about how much to lend… Read more

I Think Peer-to-Peer Lending Should Be Less Than 10% Of Your Wealth

Cliff is an experienced freelance journalist hired in as 4thWay’s “Chief P2P Cynic” to give you the alternative view. Read about Cliff. Some months ago, I was chatting with Neil Faulkner, founder and owner of 4thWay. During our conversation, Neil asked me a key question, which I hope to answer today. Neil’s big question: “How… Read more

How Millennials Are Making Money From P2P Lending

Among politicians, advertisers, big companies and brands, the biggest buzzword by far these days is ‘Millennials’. But what are Millennials and how are they making money from peer-to-peer (P2P) lending? Are you a Millennial? Loosely speaking, you’re a Millennial, also known as ‘Generation Y’, if you reached adulthood on or after the year 2000. Most… Read more

Two Ways That P2P Lending Can Help You To Retire

Making adequate retirement provision is one of the most difficult financial challenges facing British adults today. How high your retirement income will be depends on a number of complex factors and choices, including: Over how long a period you invest How much of your income you set aside The returns your contributions (and those of… Read more

Major P2P Founder Warns: “Our Industry May Never Be Profitable”

Cliff is an experienced journalist hired in as 4thWay’s “Chief P2P Cynic” to give you the alternative view. Read about Cliff. A couple of months ago, towards the end of March, I had a one-to-one meeting with a leading light of the peer-to-peer (P2P) lending industry. This well-known and globally respected individual co-founded one of… Read more

Today’s average interest rates

What is the “4thWay”?

There's the savings way, the property way, the stock-market way, and now there's the peer-to-peer lending way. The 4thWay® to save and invest.
Learn more.

What does 4thWay do?

We help people save and make more money, more safely when they cut out the banks and lend directly to other people and to businesses.

Why use 4thWay?

4thWay® is shaped by investors, bank risk modellers and a senior debt specialist, and we're governed by our users to ensure our comparison services and research are trustworthy and complete.

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers “bonds”. Unlike its P2P lending service, its bonds don’t allow you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

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Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers two “bonds”, one of which is available as an ISA.

Unlike its P2P lending service, neither of these bonds allows you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers two “bonds”, one of which is available as an ISA.

Unlike its P2P lending service, neither of these bonds allows you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Orchard’s interest rates different?

Orchard’s lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Orchard’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers “bonds”. Unlike its P2P lending service, its bonds don’t allow you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×
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