Alternative finance products are becoming more top of mind for advisers as the demand from clients grows. Five of alternative finance’s most prominent platforms showcased their offers at the London Stock Exchange for the Intelligent Partnership Alt Fi Showcase on 5 February.
Ceri Williams talks about the difficulties financial advisers might encounter when navigating the alternative finance space. He also covers the future direction of Downing Crowd, shares his insights on IF ISAs’ performance and landscape, and the comments on the regulatory environment of Debt-Based Securities.
Caroline Flagg discusses recent developments and the overall performance of Octopus Choice over the last year. Talking about challenges in the property market, she tells Intelligent Partnership that Octopus is optimistic about the future of this asset class. She also talks about platform diversification and a recently doubled number of deal flows.
Mario Lupori speaks about RateSetter’s shift towards the advisers’ market. He expands on the company’s offering to retail clients through its advice channel. He explains why P2P loans offer more stability versus the volatility of equity markets. He also talks about the future of the P2P market.
Speaking to Guy Tolhurst, Jake Wombwell-Povey discusses the growing popularity of alternative finance. He explains how Goji has diversified its offer over the last year, extending the focus from IF ISAs to SIPPs. He also covers the exciting opportunities of investing in renewable energy via direct lending.
Belinda Thomas discusses the key differentiators of Triple Point’s Income Service. She explains how alternative investments are incorporated in a portfolio and talks about the increasing interest in the IF ISA and alternative finance. She also discusses product diversification and Triple Point’s due diligence process.
Peer to peer lending is a dynamic market that is much more mature than many give it credit for. It is fully regulated, home to significant institutional investment and provides excellent inflation-beating, fixed income diversification opportunities. But, it is a relatively new asset class with a range of platforms and operating models, not to mention regulations.
This guide is intended to help financial advisers and planners to get to grips with how P2P can fit into their service offering and what it can do for their clients.
Martin Heelam talks about the impressive volume of applications since Assetz Capital’s Innovative Finance ISA (IFISA) launch in December 2017. So far, this has been mostly investor-driven. Heelam expands on why that has been, and why the IFISA is central to products like those offered by the peer-to-peer lender – asset-backed loans to businesses – becoming mainstream investments which advisers routinely consider. He particularly singles out Assetz Capital’s transparency in terms of helping advisers to carry out due diligence.
Gillian Roche-Saunders, partner at BWB Compliance, talks about why the Innovative Finance ISA (IFISA) has been slow to take off and what the process should be for advisers in terms of due diligence on each platform. She expands on how advisers can integrate qualifying investments into their proposition, from compliance to professional indemnity insurance to matching clients to appropriate investments across the “spectrum of risk” available in an IFISA.
On the eve of Octopus Choice’s second birthday, Caroline Flagg talks about where inflows are coming from following the launch of its IFISA. She reports that 750 advisers are now using Octopus Choice for themselves and their clients, the comparatively larger size of advised investments, and investor demographics. She then goes into the specific workings of Octopus Choice, how it builds on Octopus Property, an established business providing bridging loans against UK property since 2009, and Octopus’ first lost position.
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