December 2024 had the most write-offs since July 2014 at about £4 million, but the interest paid outweighed that, so the month was still positive overall. That nudged up the year’s return to end on 7.61%, after costs and all losses. The 4thWay Peer-to-Peer…
Investors in peer-to-peer lending and other online direct lending have more than doubled their money in 10 years, while cash ISA savers grew their pots by just one-fifth. Cash ISA savers failed to keep up with inflation, while online lenders comfortably outpaced it. Returns on…
Just brief thoughts on this new story. LandlordInvest is apparently winding down at the insistence of the FCA, which appears, according to brief reports from Alternative Credit Investor, to have issues with its CEO, Filip Karadaghi, who has been forced to step down. We have…
The 4thWay Peer-to-Peer And Direct Lending Index (PADL Index) enables investors to compare long-run returns to shares and other asset classes. Constituents’ returns have massively outpaced the stock market. In the ten years since start of the index, annualised returns after costs have been…
Peer-to-peer lending – and other online direct lending – is on average relatively low risk compared to the stock market. And it’s relatively easy to assess compared to picking shares – provided you arm yourself with knowledge. But it’s still, most definitely, an investment. This…
The 4thWay Peer-to-Peer And Direct Lending Index (PADL Index) enables investors to compare long-run returns to shares and other asset classes. Constituents’ returns have massively outpaced the stock market. In the ten years since start of the index, annualised returns after costs have been…
As of 30th June, 2024 The new 4thWay Peer-to-Peer And Direct Lending Index (PADL Index) was launched in August 2024. It enables investors to compare long-run returns to shares and other asset classes. Constituents’ returns have massively outpaced the stock market. In the ten years…
4thWay has long collated more data on peer-to-peer lending than probably anyone else, stretching back to the very first P2P loan ever made. And now, we have sufficient data from a large enough number of important P2P lending providers to start accurately tracking performance. So…
I’m back! It’s been ages since I told you about anything through 4thWay, so I’m pleased to take you through the latest on cashback. Whatever happened to P2P lending cashback? A few years ago, the regulator banned cashback, which had been used to lure people…
Borrowers were hit hard over 2022 and 2023. Property prices were unclear and somewhat rocky. And those who were borrowing to complete property developments have been suffering a shortage of workers. The worst for borrowers though was rocketing inflation. That didn’t just push up interest…
People who invest through AxiaFunder’s online platform are funding claimants’ legal cases. Investors typically take huge profits when these claims are won – sometimes even projected to earn 2-3 times the amount invested – albeit with substantial downside risk when cases are lost. Most cases…
Some lenders choose to lend through a type of pension called a self-invested personal pension, or SIPP. These are many and varied, but they often give investors an expanded choice of what they can invest in, albeit for a high price. SIPPs have historically suffered…
We have nagged the taxman’s notoriously tight-lipped officials, and chased down accountants, IFISA providers and even 4thWay’s own skilled experts to give you answers to all your IFISA questions, as well questions you never thought to ask. Here goes: What is an IFISA? An IFISA…
We told HMRC that, reading the rules for ISAs, “they don’t actually prohibit people opening multiple IFISAs in one tax year, provided they only subscribe new money to one of them”… Do they? A representative from HMRC has told us this “looks correct”. That’s about…
Last year, in 2023, if you invested in one of the cheapest and best share funds to cover the entire UK stock market, through Vanguard, and you did it directly through them in their own ISA, you’ll probably have made around 6.8%. That’s assuming you…
Update on 12th August 2023: Crowd2Fund’s accounts have now been filed and the strike-off action discontinued. Details of its accounts here. You’ve not heard anything from us on Crowd2Fund for a while. Crowd2Fund hasn’t been in a position to provide detailed data to us to…
Lande* has re-established its data pipeline and so we’ve reassessed its 4thWay PLUS Rating. Despite quite a few more loans falling late or turning bad as its history has been maturing, it has easily maintained its 3/3 “Exceptional” 4thWay PLUS Rating. Its high interest rates…
At present, there are no cashback deals of note available.
We’ve slightly upgraded our 4thWay PLUS Ratings methodology over the past five weeks and reassessed the lending accounts that provide us with the data and access to apply our calculations. This upgrade impacts property P2P lending accounts, making it a little bit tougher to get…
It’s about taxes, so I’ll be brief! Less P2P lending due to frozen personal allowances The income-tax personal allowance of £12,570 will be frozen until This will mean less disposable income available for lending. More people will pay a 45% tax rate and lose their…
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