Close risk warning

As with most forms of investment, peer-to-peer lending carries a degree of risk to your capital; in this case, if the borrower is unable to repay their loan. At Assetz Capital, we seek to reduce this risk to our investors by taking asset security on every loan, with the added benefit of a discretionary Provision Fund for some of our investment accounts. Investment Account target interest rates should be considered along with the relevant Investment Account expected defaults & losses information. Past performance does not guarantee future performance. We recommend that prospective lenders read the Key Investor Information pages before investing.

Assetz Capital SIPP Investment

5.50-18.00% p.a.*†

Credit Awards Best Peer-to-Peer Lender 2016 defaqto 5 star - peer to peer lending 2016

Join a revolution in pension investment

A Peer-to-Peer SIPP allows you to share in the funding of a portfolio of loans to credit-worthy businesses using your Self-Invested Personal Pension (SIPP).

Earn gross rates of

5.50-18.00% p.a.*†

We also support business owners who have Small Self Administered Schemes (SSAS) that they would like to invest in Peer-to-Peer loans. The Assetz Capital service provides a fairer and easier way to manage your investment and as an investor you could start earning gross rates of return between 5.50% to 18.00% p.a.*† per annum today.

The benefits of using a SIPP or SSAS to invest in Peer-to-Peer lending is that interest may be earned and reinvested tax free.

*

Gross return before allowances for tax or any possible losses.

All rates are quoted gross, before allowances for tax or any possible losses. These rates of return are currently available to investors on the Assetz Capital platform.

Why use Assetz Capital?

We were the fastest growing secured Peer-to-Peer company in the UK in 2013 according to AltFi.

In the same year The Daily Telegraph described us as “sophisticated” and the “one to watch”.

In 2014 we experienced a 300% growth in lending and our lenders have earned in accrued interest since we started. **

Despite such accolades it is our mission to ensure both lenders and borrowers can operate within a fair and regulated environment.

What makes this the right time to consider Peer-to-Peer Lending?

In March 2014 the Chancellor George Osborne announced in his budget that there would be a relaxation in the rules around pensions thus giving people the chance to manage their own finances more, consider investment solutions that are not based on buying an annuity and to be able to look at opportunities like Peer-to-Peer Lending.

Investing in Peer-to-Peer using your SIPP allows you to choose the businesses you want to lend to, the amount of money you want to lend and the target interest rate you would like to achieve.

Should I lend through my SIPP or SSAS?

Most UK pensions are managed by institutional fund managers who decide where your pension savings are invested. More and more people are now taking control of their retirement savings and setting up either a SIPP or a SSAS (Self-Invested Personal Pension or a Small Self-Administered Scheme).

This has given the pension holder some choice as to where their fund is invested. A SIPP or SSAS allows you, the pension holder, to make your own investment decisions alongside the scheme trustees. A Peer-to-Peer SIPP or SSAS now offers you a new option for investment.

What is the process to invest?

Assetz Capital cannot give advice as to the suitability of the loans on our platform for SIPP or SSAS investment or whether a SIPP or SSAS is an appropriate investment vehicle for you. If you are unsure, you should take advice from a suitably qualified independent financial adviser.

  • The Assetz Capital web site provides contact details for SIPPclub, who can discuss with you the various SIPP and SSAS options and associated costs.
  • Whilst SIPPclub will not provide you with advice, it should be able to point you towards a SIPP operator who may be able to meet your needs.
  • If you need assistance, SIPPclub can help you create a brand new SIPP into which you can make contributions and organise the transfer of your existing pensions where it’s appropriate..
  • Once your SIPP has been created, SIPPclub will help you open an account on our platform and instruct you on how to operate it in accordance with the SIPP rules.

What is the next step?

Assetz Capital cannot provide advice regarding SIPPs or the suitability of any of the loans on our platform for SIPP investment purposes. Our Lender Team at Assetz Capital would be delighted to facilitate an introduction to SIPPclub for clients who would like to investigate this option for investment. The Lender Team can be contacted on 020 7870 1023 or you can email us.

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* These are the gross rates of return (before allowances for tax or any possible losses) that are available to investors from loans listed on the Assetz Capital platform today.

** As at today’s date

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