Videos

Julia Groves, partner & head of crowdfunding at Downing LLP, talks about growing uptake of bonds in its Innovative Finance ISA (IFISA) and advisers’ changing attitudes to these investments. She covers terms of investment, diversification, risk and the two kinds of products offered on Downing’s platform: fixed-term debt-based securities and a newer regular access bond. On choice in the market, she discusses how many IFISA-authorised platforms are genuinely adviser-ready and reveals something surprising about average investment size.

Jake Wombwell-Povey, CEO and co-founder of Goji, discusses increasing inflows after the Innovative Finance ISA’s slow start and what percentage are transfers from cash ISAs. In the direct lending space, he discusses the end of the ‘early adopter’ phase for retail investors, Goji’s increasing focus on advisers and the demographic of clients they recommend these investments to. The discussion takes in Goji’s history, status as an aggregator and approach to due diligence on the lenders it works with.

Research Director Dan Kiernan moderated a panel at the Lendit Europe conference. The panelists from Octopus Choice, Ratesetter, LendingWell, Goji and Clearwater Private Investment debated what it would take to get financial advisers to engage with P2P lending.

In this episode David and Lawrence discuss Peer-2-Peer lending and Crowdfunding. They shed light on how they work, how investors can access this new but rapidly expanding sector as well as the risks that go along with such investments.

Giles Andrews, CEO of Zopa talks about who Zopa really are, what what they do, as well as how advisers can get over their apprehension of Crowdfunding and Peer to Peer lending.

Rhydian Lewis, CEO of Ratesetter talks about the business model of his company, and its success so far, as well as his views on the recent FCA paper CP13/13.

This month the spotlight has been turned onto the Alternative Finance space and explains the growing number of opportunities that allow investors to lend to both businesses and consumers using internet based platforms. We investigate lending on invoices with Market Invoice, lending to businesses to fund growth with RebuildingSociety and P2P lending to consumers via Ratesetter.

Peer to peer lending is the next big thing within the world of Alternative Finance, providing savers with an alternative source of income by lending to borrowers using online marketplaces. Platforms such as Zopa, Ratesetter and Funding Circle offer returns well above the average but what should investors look out for?

The rise of the internet and the rapid growth of new social networks online has opened up exciting, innovative ways to speculate on start ups and fast growing younger companies. Crowdfunding platforms in particular allow the experienced investor to bet on these hot new ideas for as little as £10 a go! But just how risky is this style of investing and what does the investor need to watch out for?

This episode gets to grips with the risky business of investing in start ups and smaller companies.