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Briefly, but not really in a position to use them yet.
It's a good idea. When I looked at the p2p stuff before (pre-IFISA), paying tax while not being able to offset losses was an issue imo. The IFISA solves that.
The major players now seem to make you lend to a diversified portfolio they select. You choose what level of risk you go for. At this point the established ones seem to do a very similar thing to banks.
hugo7
Anyone looking at the IFISAs they've got now? I had to write a piece about one of the P2P lenders for work and it piqued my interest.