Loans backed by bricks and mortar
Octopus Choice could give your clients something that is intended to sit between cash savings and stock market investments in terms of targeted risk/return profile. It’s a smart way to add another asset class to their portfolio: property-backed peer-to-peer (P2P) lending.
Clients like cash. But they also know low interest rates mean their savings are at risk from inflation. At the same time, the stock market isn’t for everyone.
Octopus Choice offers clients something else. A simple way to target an annual return of 4%, with no fixed term, by investing in secured, property-backed loans.
Some risks to keep in mind
You should keep in mind the value of an investment and any income from it, can fall or rise. Your client may not get back the full amount they put in.
Money invested through Octopus Choice is concentrated in loans backed by property and could be affected by market conditions. For the same reason, instant access to your clients’ invested capital cannot be guaranteed.
Peer-to-peer investments are not protected by the Financial Services Compensation Scheme (FSCS).
Understanding the asset class
Asset-backed lending is one of the oldest ways to invest. Peer-to-peer lending uses today’s technology to make this asset class accessible for your clients.
Learn more about how P2P works, the P2P market and why it could be a great way for clients to complement their other holdings.
Clients who can benefit
Take a look at our planning scenarios to see just some of the different client problems Octopus Choice can solve. You should also watch the videos to meet two of our clients, Steve and Ruth, who explain why they invested in Octopus Choice.
Choice Planning scenarios
Discover how our investments could help you develop the right strategies for a broad range of clients.
Find out more
Your questions answered
Find out more about how Octopus Choice works in the product brochure. Or take a look at the video for advisers. You can also request a call back and one of our team will be happy to answer any questions you have.
Ready to get started?
Create your adviser account to start adding clients.
Find out more
We’re always happy to hear from you. To learn more about Octopus Choice and the kind of clients it could work for, get in touch.
Nothing on this page constitutes investment, tax or legal advice. This product is not suitable for everyone, so we recommend investors speak to a financial adviser, and read the product brochure, which is available on this page, before deciding whether to invest.