The Government like Crowdfunding and Peer-to-Peer Lending, so in April 2016 the Innovative Finance ISA is being introduced.
In summary, its aim is to increase the number of loans available through crowdfunding by giving a tax incentive to those providing the money. There is greater risk for investors as their investments won’t be brought into the Financial Services Compensation Scheme but the returns for investors will be much higher than traditional savings accounts.
Innovative Finance ISAs are expected to be available from 6 April directly through peer-to-peer lending platforms such as Zopa, Ratesetter and Funding Circle, or via selected fund platforms. They will have the same annual savings limit as regular ISAs, £15,240.
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