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Sometimes, the world of finance can seem overly complicated, and in our opinion, equally off-putting. Here’s our straightforward guide to the differences between an IFISA and “regular” peer-to-peer lending. There are some key distinctions that we think are definitely worth knowing about.

(Capital at risk - Past performance does not guarantee future results)

(Capital at risk - Past performance does not guarantee future results)

The taxman cometh – or does he?

Let’s talk about death and taxes. Not a cheerful subject, and although it’s a dreadful cliché, these two things really are the only certainties in life.

Whilst tax is part of our everyday experience and is an accepted reality, especially after our much-anticipated Budget statements, death is a little bit more taboo. Or so it seems. 

(Capital at risk - Past performance does not guarantee future results)

Age, like taxes, comes to all of us. As we get older time seems to speed up  – and no one knows why. One day you’re in your early forties and then suddenly you’re staring retirement in the face and wondering how on earth you got here. Like a fine wine, we are sure that you’ve improved with age, if we may be so bold.  

(Capital at risk - Past performance does not guarantee future results)

Forearmed is forewarned, we say. And, although it’s a bit of a cliché, information is power. Although standard cash ISAs have been around since 1999 as an integral way to save, IFISAs (Innovative Finance ISAs) are still relatively new in the marketplace.  If you’re considering this type of investment, it’s natural that you’ll have some important questions to ask any provider who may be offering you this platform. 

(Capital at risk - Past performance does not guarantee future results)

Evidence is mounting that savers are missing out the Innovative Finance ISA opportunity because they remain unaware of all of their ISA options.

(Capital at risk - Past performance does not guarantee future results)

With just under three months to the ISA deadline, there is still some time to investigate the types of ISAs available, decide which kind suits you best, and find an appropriate supplier.

(Capital at risk - Past performance does not guarantee future results)

As we hurtle towards a deadline at the end of April for making decisions about where to put your ISA ‘allowance’, people are starting to review their options.

Savings? What savings? One in four adults has no savings. Zero. Zilch. Nada.

Got a spare room? Fancy some company? Taking in a lodger gives you the chance to earn some tax-free cash to kick-start your savings.

Big tech changes are coming and your coins and bank notes are going to look seriously dated.

Now’s your chance to use this year’s tax-free ISA allowance - but don’t assume cash savings is the only place for your money…