Reply to: RIP Zopa & P2P lending?

[The Spartan]

I've been using their smart saver and fixed term savings, I found like you have that they've been offering the best rates. Their mobile app is pretty good and you can move money between different pots (which have different lengths of notice period depending on what you set for them) very easily. I would definitely recommend Zopa I haven't experienced any issues at all.

[SimonMac]

Anyone still using Zopa?

They seem to have pivoted to a "more traditional" financial institution with a Retail Banking Licence, they keep coming up as the best rates for savings (I am looking at personal not business)

[AtW]

WOW! I posted this same question on FB on some groups with 'kids' and almost all the responses where Cyrpto, NFT and other etheral tulip. Amazing!

Oi, fatso, how is your fat margin Amazon Prime business doing?

[MarillionFan]

WOW! I posted this same question on FB on some groups with 'kids' and almost all the responses where Cyrpto, NFT and other etheral tulip.
Amazing!

[Bluenose]

You mean...?

https://yorkshirecoin.com/

'gods own currency' sounds about right lol

[jamesbrown]

become a billionaire within 12 months :-)

In Venezuelan bolívar; if you started out as a trillionaire; etc. Cretin coins are targeted at cretins.

[ladymuck]

Northernlad NFT?

You mean...?

https://yorkshirecoin.com/

[Bluenose]

With 250K, it's gonna take quite some time to fill up with the £20K annual limit.

OP - Just buy BTC and become a billionaire within 12 months :-)

Northernlad NFT?

[_V_]

I assume that the Zopa is an ISA, so should be transferrable to another ISA without any annual limit.

Zopa was not an ISA until recently, so the bulk of that money is not transferable into an ISA.

[mudskipper]

I've started to dabble with Crowd Property. Biggest problem is so it seems has everyone else in the world, so when the investment opps get published the whole contribution amounts is gone within an hour!

I did OK with this sort of thing - think I got about 15% return in a year, but got cold feet because the investment had been recommended by a certain accountant with a history of fraud, so pulled out - this was student property, and pre-covid.

[MarillionFan]

FTFY.

Mine is just going into my S&S ISA but it's a bit annoying because the whole point was to diversify and not have everything in shares. Maybe I'll see about putting this portion of the ISA total into something a bit different like commodity shares, problem being I know absolutely nothing about that side of things.

Are there any other IFISAs out there? I seem to remember discussing here one where you bought shares in a big housing portfolio which seemed an interesting idea. Course I could buy a cheap BTL but I'm a bit soured on that over the years.

Im thinking property. But that's over inflated now as well. Think I may go out and spend it on drink, drugs & hookers. The rest I'll just waste.

[WTFH]

£250k should get you a knighthood.
x10 if you want a peerage, and if you can do it offshore, you could probably knock 20% off that.

[d000hg]

I wonder how long until the first ISAs allow you to hold crypto.

[TheDude]

Yes bloody annoying them doing that. I've now got £250000 sitting in Zopa and got to find somewhere to bloody put it. Where the hell am I going to find an ISA which isn't less than inflation?!?!?!

You could fund a Lords Of Midnight remake?

[Lance]

With 250K, it's gonna take quite some time to fill up with the £20K annual limit.

OP - Just buy BTC and become a billionaire within 12 months :-)

I assume that the Zopa is an ISA, so should be transferrable to another ISA without any annual limit.