Comments on: 2017 What to Do With Your £20k ISA Allowance http://theresvalue.co.uk/2017-20k-isa-allowance/ Value and Purpose in Life - Frugal Living and Investing Mon, 04 Dec 2017 17:10:19 +0000 hourly 1 https://wordpress.org/?v=4.8.4 By: Dividend Diplomats http://theresvalue.co.uk/2017-20k-isa-allowance/#comment-6957 Wed, 24 May 2017 16:22:10 +0000 http://theresvalue.co.uk/?p=796#comment-6957 I’ve never personally done P2P lending, but it is something I would definitely like to start in one day. But I also know that it doesn’t come without a degree of risk. I am interested to see what happens to a lot of these P2P loans when the market takes a downturn and loans start to become delinquent. But only time will tell with this one. It is smart to diversify our income streams and I am a big fan of dividend stocks (obviously). I would lean towards a heavy weight in stocks with some P2P on the side, but that’s just me. Looking forward to seeing what you decide!

Bert

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By: weenie http://theresvalue.co.uk/2017-20k-isa-allowance/#comment-6952 Tue, 23 May 2017 17:28:09 +0000 http://theresvalue.co.uk/?p=796#comment-6952 Hey M
Funny you should mention P2Ps and ISAs as I’m now in the process of moving my P2P funds into my ISAs. The exercise is merely a simplification one and wanting to take tax advantage, not because I don’t think it’s worth investing in P2Ps. I want to stick as much as possible into my ISAs and as I wasn’t planning on putting any more cash into P2Ps, I wouldn’t be getting an innovative finance ISA. I’m not cashing in/withdrawing the loans early, just taking the repayments and interest out as and when they appear in my account, so it’ll take a while for them all to wind down.

I’m unlikely to fill the whole £20k ISA allocation but I’ll want to try and chuck in as much as possible.

If I were in your shoes, I’d go for the 50:50 split.

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By: John from UK Value Investor http://theresvalue.co.uk/2017-20k-isa-allowance/#comment-6946 Sat, 20 May 2017 16:08:13 +0000 http://theresvalue.co.uk/?p=796#comment-6946 Hi M, very interesting. I don’t have much to say about P2P as I’ve never indulged in it, but interesting nonetheless.

I like the way you talk about the psychology of owning a slice of a company, and the reality that where you invest does actually affect the real world, such as by providing funding for start ups or reducing the cost of capital for larger companies.

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