2018 was another record year for peer-to-peer lending, with several big players passing major milestones last year. Big numbers and positive returns During 2018, Zopa* passed the £4 billion mark for cumulative lending since launching in 2005, while cumulative loans at RateSetter* passed £3 billion in late 2018. With P2P lending now 14 years old,… Read more
Cliff D'Arcy, Freelance Investment Journalist
Bringing some external thinking to 4thWay, we introduce Cliff D’Arcy.
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.
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.
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
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
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
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
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
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
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