Michal

  The current younger generation of adults needs to think differently about their future finances. Job hopping has become common as the need for long term job security has fallen lower on the list of priorities. The young people don’t want to depend on the pension’s benefits which are matched by their employers. The age spans are also increasing. Hence the stability of social security is changing. Nowadays everyone is looking for different means to make and save money. Thus, more people have opted to non-traditional investment options such as   peer to peer lending   (p2p). P2p lending is a platform which matches people who want to borrow money called ‘borrowers’ to people who want to invest money called ‘lenders’. This service allows low-interest rates for borrowers and high return rates for investors. However, just like any other investment, there are some risks involved. In this article, we are going to discuss the reasons for which young people are turning towards pee...

The peer to peer lending is an alternative finance method which is being widely adopted by people who want to borrow loans. It is a practice where a peer to peer lender funds loans to consumers or businesses using an online service which matches borrowers with potential lenders. P2p funding platforms usually provide financing services online and operate with low overhead. They offer cheaper services compared to the traditional financial method. Hence, with this modern method of borrowing, lenders can gain high-interest returns than the investment and savings provided by the banks. Lenders earn high-interest rate even when people borrow money at low-interest rates, and the platform takes a fee for matching the borrower to the lender. However, just like any other type of financing, there is a risk involved with p2p lending when a borrower defaults on their loan repayments. Majority of these loans are unsecured loans, and most of these are lent to the businesses. Sometimes secured peer to...

Over the last decade, an alternative method of borrowing has become very popular known as social or peer to peer lending. Individuals and businesses in need san borrow peer to peer loans. The idea p2p platform is that individuals or companies that need to borrow loans are matched up with people who are interested in lending funds. This is a type of lending and borrowing between 'peers' or individuals without a conventional financial organisation like building society or bank being involved. The platforms that provide this service act as intermediaries between the lenders and the borrowers. They offer low-interest rate compared to the traditional loan services. Whether or not this is the case highly depends on some specific factors like an individual's credit rating. The reason behind p2p popularity is that this financial service is cheaper compared to building societies or banks, especially if the borrower has a good credit history without any major issues. Unlike the banks...

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  The first rule of investment is not to put all your eggs in the same basket. Don’t go big on one project, instead learn to diversify. There are a lot of peer to peer funding providers in the market, offering a wide range of products. To earn more and reduce the risk, you need to spread your investment funds. It is a significant tool as risk is inevitable with investment. When you decide to invest, you should spread your money across different businesses and sectors in order to reduce your exposure to risk. This way even if one borrower defaults on their loan repayment, you will have others to fall back on. It’s better to lose some then all of your money.  Further, other than investing, you can also buy and sell existing loans or part of loans to other investors; this is how you can increase your range of investments. Some investors who sell loan parts might also make a bit of profit by setting a higher interest rate. Most of the peer to peer funding platforms provide two op...

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Over the last decade, an alternative method of borrowing has become very popular known as social or peer to peer lending. Individuals and businesses in need san borrow  peer to peer loans . The idea p2p platform is that individuals or companies that need to borrow loans are matched up with people who are interested in lending funds. This is a type of lending and borrowing between 'peers' or individuals without a conventional financial organisation like building society or bank being involved. The platforms that provide this service act as intermediaries between the lenders and the borrowers. They offer low-interest rate compared to the traditional loan services, Whether or not this is the case highly depends on some specific factors like an individual's credit rating. The reason behind p2p popularity is that this financial service is cheaper compared to building societies or banks, especially if the borrower has a good credit history without any major issues. Unlike the ban...

A SIPP or Self Invested Personal Pension is a retirement savings account which is tax efficient. This savings account is available in the UK. A SIPP account offers freedom to individuals to allocate their assets in a variety of investments approved by the Her Majesty’s Revenue and Customer (HMRC) which is a non-ministerial department of the government. This department is responsible for collecting tax and paying state support. The investments approved by the department includes bonds, stocks, exchange-traded funds and mutual funds. SIPP pension account is different from the traditional company-sponsored pension, in which companies were responsible for shortlisting the investment options. The Self Invested Personal Pension was first introduced in the year 1989 and ever since has become progressively popular in the United Kingdom because of the end of lifetime final salary pensions and lifetime careers. Individuals who invest in SIPP account can withdraw their funds when they reach the ...

    Auto investment UK is a popular feature offered by many well-known peer to peer lending platforms in the UK. Peer to peer lending providers investment opportunities for savers and lenders. You can invest into the platform by issuing loans to borrowers. Investors get high returns compared to traditional lending. Since the Financial Services Compensation Scheme does not protect the platform (FSCS), the best way for investors to reduce risk is by diversifying investment between different loans. For such purpose p2p platforms offer manual investment and auto investment. The purpose of an auto invest feature is to spread investors money across a variety of projects. The feature helps in lowering the risk and the time that investors would have to spend to research for individual opportunities. With this feature, investors don’t have to worry about where their money has been placed, and they can just enjoy the returns. Since everything is done online, investors can log in to re...

  Peer to peer lending  is also referred to as crowd lending or social lending. It was first introduced in the year 2005. There are many popular p2p platforms available in the marketplace. With peer to peer loans people can borrow loans from lenders directly eliminating the middleman. These platforms have been adapted highly as an alternative to traditional financing options. Each platform has its own unique terms and rates which allow transactions. These providers set a variety of interest rates based on the applicant’s creditworthiness. If one wishes to borrow funds, these platforms can match them up with individuals who are willing to lend money to them.  The providers that act behind the scenes are known as platforms and they play the role of intermediaries between the lenders and the borrowers. These  p2p platforms  offer low interest rates compared to the traditional loans. But this depends on different factors including the applicant’s credit rating. Indi...