List of platform paying by capital gain + dividend?

Away come back. We miss you 

If you buy on primary and sell on secondary, it isn't capital gain, it's trading of simple debt and not subject to CGT AFAIU. It's only a capital gain if you buy on secondary and sell on secondary. To get a £100K capital gain, the theoretical maximum margin is 2% on FS (buy at 1% discount and sell at 1% premium, which would virtually never happen, but anyway) so you would need to trade £5 million. On a more realistic 0.5% margin it would be a £20 million turnover.  

Of course, you can manipulate it by selling back and forth between ISA and non-ISA, and hope that HMRC doesn't get interested when you try and offset that manufactured loss elsewhere. But that's a different issue to genuine trading capital gains.

You mentioned atypical scenarios few and far between LCF and Carillon and Thomas Cook are things that the average punter put their money. 
The professional investors of course will have a much better chance of maintaining a profit over time . Over time is the main point most small investors don’t want a 5year plan and if you buy at the top and things fall the 5 years just make you standstill.

My small P2P trial at £6000 is still making >15% tax free.  

I restrict my withdrawal from taxable sources to my allowance and top up from non-taxable sources. I know this is nearly impossible for the majority as they have committed taxable income. 

It it takes a good bit of work to do this.

With first charges the land always has value not the same with a collapsed limited company.

Just look at Funding circle. Lots of plc companies failed. 60% of UK have NO savings . Check rip-off Britain every episode has people loosing their life savings. I have several hundred thousand in S&S and some investments make a loss. Ask jo public the difference between a share a bond and funds (the easy financial products) the don’t have a clue. So instead of calling naive investors muppets from your more experienced position remember not everyone can be brilliant. Over last 30 years return on investment was 3.66 % 
S and  P 500 was 6.73% . Vanguard state  6.6% returns in next 10 years.

These are half the current P2P returns and nearly a third of the after tax equivalent.

Read it and weep.link

There are years with overall 30% loss no good if you need the cash.  Overall on P2P you make a profit 

There are highs and lows that need to be ridden out to get the average. I prefer constant positive return. I need more effort to maintain higher returns with market investments.

Simple easy to follow table. link


Try and get a large balanced portfolio with these average person savings link

Simplest just to block his posts from appearing (Members - Godanubis - then click the cog top-right and "Block member").

The average annual total return of both the FTSE all share and the S&P 500 over the last 30 years is in excess of 10%.  

That is a fact and easy to verify from numerous sources.  You do not have to be a sophisticated investor to invest in these indices and receive these returns, there are numerous ETF's and tracker products that will do the job.  Of course, there are risks, some years will be down, the return is an average.

To claim that the average return for investors is only 3.6% is selective and completely misleading.  The source in question (Credit Donkey) is a US based and is incentivised to get people to invest in its partners products (read the disclaimer at the top "This article contains references to products from our partners. We may receive compensation if you apply or shop through links in our content. You help support CreditDonkey by reading our website and using our links.") and is therefore incentivised to downplay returns that aren't through its advertised products.  I can't imagine anyone on this board invests in or even has access to invest in US mutual funds (which it claims average a return of 3.6%).  Even then mutual funds invest in products other than stocks and shares (bonds, other assets etc), its really a bad comparison.  Even the CreditDonley website itself says the S&P 500 historically returns 10%.  Invest in that, not some obscure, niche US mutual fund with high fees that returns.

P2P on average does not return anywhere near 10%.  To say its impossible to lose 100% in a first charge loan or bling is also incorrect and absolutely misleading.  There is always the risk of misvaluation, unknown legal issues, fraud, receiver fees and platform risk. Ask the many investors in 1st charge loans in Collateral how they are feeling with that one.

The strategy being pedalled is to get in a loan and then sell before maturity so there is no risk.  Two problems with that - 1) there is a risk as you can't guarantee you can sell (look at the amount of people stuck in Lendy or FS loans once the market dried up). 2) It's impossible for everyone to follow this strategy...someone has to be left holding the baby at the end, it's like a game of musical chairs (or a ponzi scheme).   

One thing I can say for certain.  The risk of a 100% loss investing in an ETF or tracker on the FTSE all share or S&P 500 while not zero is pretty damn close to it.  In my view if either of these indices hit zero we would be looking at the end of civilisation as we know it, the likes of Lendy, FS, MT would have gone 'puff' long before and the status of our investments would be the least of our worries.