ilmoro
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'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
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Post by ilmoro on Mar 19, 2018 16:03:34 GMT
House Crowd IFISA has launched.7% fixed, min £1k, auto diversified, 10% first loss on IFISA losses, interest paid April/Oct or auto reinvest to compound (8.2% over 5yr) Min term 3yrs, 3 month's notice, no transfers in, account capped at £2mil total for current financial year,
I assume not flexible.
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pom
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Post by pom on Mar 20, 2018 7:30:59 GMT
House Crowd IFISA has launched.7% fixed, min £1k, auto diversified, 10% first loss on IFISA losses, interest paid April/Oct or auto reinvest to compound (8.2% over 5yr) Min term 3yrs, no transfers in, account limited to £2mil. I assume not flexible. I assumed the 2,000,000 was a typo for 2,000.00 given they weren't allowing transfers (and 2M doesn't really make sense), then again I've not seen a correction update.
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littleoldlady
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Post by littleoldlady on Mar 20, 2018 7:45:02 GMT
House Crowd IFISA has launched.7% fixed, min £1k, auto diversified, 10% first loss on IFISA losses, interest paid April/Oct or auto reinvest to compound (8.2% over 5yr) Min term 3yrs, no transfers in, account limited to £2mil. I assume not flexible. I assumed the 2,000,000 was a typo for 2,000.00 given they weren't allowing transfers (and 2M doesn't really make sense), then again I've not seen a correction update. I guess the £2m is the total across all investors.
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pom
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Post by pom on Mar 20, 2018 8:03:14 GMT
I assumed the 2,000,000 was a typo for 2,000.00 given they weren't allowing transfers (and 2M doesn't really make sense), then again I've not seen a correction update. I guess the £2m is the total across all investors. Ah yeah that'd make sense. Wasn't paying huge attention as don't expect to ever pass any more money their way
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IFISAcava
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Post by IFISAcava on Apr 15, 2018 17:29:19 GMT
Well, no sign of the new transfer in opportunities promised for new tax year ISAs - Ratesetter, FC, MT and Archover all remain either not open at all or not open for transfers.
So have added this year's allowance to AC (with small bonus for so doing) and am moving more previous years' money to LLI, Relendex and PropLend instead of the above. Largely moving funds from FS ISA because the risk of defaults too high and the standard strategy of selling at discount prior to term remains a viable way to keep the income tax-free (and selling early within the ISA rather wastes the wrapping). However, keeping a few £K in the FS ISA for the small parts of low LTV property and bling which does bear holding to term.
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IFISAcava
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Post by IFISAcava on Apr 17, 2018 22:09:47 GMT
I do wonder why Ratesetter, Zopa and FC, who have open ISAs, are so slow to open up to transfers in of previous years' ISAs. Would seem a no-brainer to try and get a share of this. All the other significant ISA providers allow it, but not the "big three". Presumably they are so awash with money they don't want any more?
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ilmoro
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'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
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Post by ilmoro on Apr 18, 2018 10:52:00 GMT
Another IFISA just launched easteregg Amberside LP (operated by Goji, ISA manager Sapia, payments service Modulr) - investment in their bond that then invests in long term infrastructure projects secured. Early bird offers 4 yr bond (2022 maturity) 7.25% (non-isa) 6.75% (normal 5.5%) 2 yr bond (2020 maturity) 4.75/ (non-isa) 4.25% (normal 3.5%). Non -early bird Flexible, one month notice bond 3.5%/(non-isa) 3% (matures 2022 otherwise) [Higher rates also apply if invest via IFA] Min £100, rates assume reinvestment of interest but can be redeemed biannually. Not flexible, non-tradeable on platform (can sell if find buyer - fees), transfers in, transfers out for £35. No self-selecting underlying loans. First loan to a big greenhouse to grow tomatoes. www.p2pfinancenews.co.uk/2018/04/17/infrastructure-energy-crowd-bond-platform-launched/Meanwhile FC IFISA now open to new customers www.p2pfinancenews.co.uk/2018/04/18/funding-circle-opens-ifisa-to-new-investors/ |
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Post by easteregg on Apr 18, 2018 11:44:25 GMT
Another IFISA just launched easteregg Amberside LP (operated by Goji, ISA manager Sapia, payments service Modulr) - investment in their bond that then invests in long term infrastructure projects secured. Early bird offers 4 yr bond (2022 maturity) 7.25% (non-isa) 6.75% (normal 5.5%) 2 yr bond (2020 maturity) 4.75/ (non-isa) 4.25% (normal 3.5%). Non -early bird Flexible, one month notice bond 3.5%/(non-isa) 3% (matures 2022 otherwise) [Higher rates also apply if invest via IFA] Min £100, rates assume reinvestment of interest but can be redeemed biannually. Not flexible, non-tradeable on platform (can sell if find buyer - fees), transfers in, transfers out for £35. No self-selecting underlying loans. First loan to a big greenhouse to grow tomatoes. www.p2pfinancenews.co.uk/2018/04/17/infrastructure-energy-crowd-bond-platform-launched/Meanwhile FC IFISA now open to new customers www.p2pfinancenews.co.uk/2018/04/18/funding-circle-opens-ifisa-to-new-investors/Many thanks ilmoro. I've added it to the list on P2P money.
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IFISAcava
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Post by IFISAcava on Apr 18, 2018 13:14:58 GMT
Another IFISA just launched easteregg Amberside LP (operated by Goji, ISA manager Sapia, payments service Modulr) - investment in their bond that then invests in long term infrastructure projects secured. Early bird offers 4 yr bond (2022 maturity) 7.25% (non-isa) 6.75% (normal 5.5%) 2 yr bond (2020 maturity) 4.75/ (non-isa) 4.25% (normal 3.5%). Non -early bird Flexible, one month notice bond 3.5%/(non-isa) 3% (matures 2022 otherwise) [Higher rates also apply if invest via IFA] Min £100, rates assume reinvestment of interest but can be redeemed biannually. Not flexible, non-tradeable on platform (can sell if find buyer - fees), transfers in, transfers out for £35. No self-selecting underlying loans. First loan to a big greenhouse to grow tomatoes. www.p2pfinancenews.co.uk/2018/04/17/infrastructure-energy-crowd-bond-platform-launched/Meanwhile FC IFISA now open to new customers www.p2pfinancenews.co.uk/2018/04/18/funding-circle-opens-ifisa-to-new-investors/Many thanks ilmoro . I've added it to the list on P2P money. Still no transfer in for FC though. Of this genre (unsecured business lending), Crowd2Fund has my money instead
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littleoldlady
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Post by littleoldlady on Apr 29, 2018 15:08:41 GMT
Is there any platform with an IFISA that will allow a transfer in from another IFISA?
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david42
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Post by david42 on Apr 29, 2018 15:16:38 GMT
The table ilmoro kindly maintains at the start of this thread indicates which platforms allow transfers in. |
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littleoldlady
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Post by littleoldlady on Apr 29, 2018 15:22:05 GMT
The table ilmoro kindly maintains at the start of this thread indicates which platforms allow transfers in. Many platforms I have looked at allow transfers in from cash and s&s ISAs. I was asking specifically about transfers in from other IFISAs.
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stevio
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Post by stevio on Apr 29, 2018 15:45:25 GMT
The table ilmoro kindly maintains at the start of this thread indicates which platforms allow transfers in. Many platforms I have looked at allow transfers in from cash and s&s ISAs. I was asking specifically about transfers in from other IFISAs. I have done IFISA transfer from FS to AB One thing I would say is ensure you specify (even if the form doesn't have anywhere for this) whether you wish to transfer current or previous years subscriptions
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ilmoro
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'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
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Post by ilmoro on Apr 29, 2018 16:30:04 GMT
If they allow transfers then they should allow transfers from any kind of ISA ... im not aware of any platform that only permits a specific type ... it's all the same cash wherever it comes from.
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IFISAcava
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Post by IFISAcava on Apr 29, 2018 21:23:27 GMT
Is there any platform with an IFISA that will allow a transfer in from another IFISA? They all will in my experience (including AC, LLI, PropLend, ABL, Lending Crowd, Relendex, MT)
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