The P2P challenge

Platforms and advisers – especially advisers – are going to find it a lot harder to ignore peer to peer (P2P) lending in the coming year. Two important events will drive this market in the coming few months: P2P lending will qualify as an ISA investment...

Pension drawdown options theoretically available

It is hard to see why anyone would choose uncrystallised funds pension lump sum (UFPLS) when flexi-access drawdown (FAD) is available. Even if you wanted to take 25% tax free cash combined with 75% taxable income on every withdrawal, FAD will allow you to do that. The...