The Innovative Finance ISA Guide

For Experienced Investors

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Innovative Finance ISA (IFISA) Guide

A comprehensive free guide providing information on the IFISA and how experienced investors can: 

– Diversify their ISA portfolio with peer-to-peer loans and debt-based securities
–Manage risk by understanding the underlying asset classes
– Potentially achieve a better return on their investment
– Use an IFISA as part of their retirement planning strategy


As a high earner, it's likely you will want to maximise the returns your hard earned capital can generate, whilst taking a balanced approach towards investment risk.

In the current climate, investors have been faced with a confusing investment scene. Interest rates have been low, and available financial returns often fail to match the rate of inflation, eroding the value of investments.

On top of this, cuts to pension allowances mean that higher earners are now looking for alternative, tax-efficient methods as they plan for retirement.

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Author of the Innovative Finance ISA Guide

"The Innovative Finance ISA market is growing rapidly, with more than £1 billion invested since April 2016. For investors happy to take on more risk, the IFISA is a viable alternative investment product because, in the current climate, traditional Cash ISAs are struggling to offer returns that even match the rate of inflation."

How can investing into an IFISA maximise returns and lower risk tax efficiently?

Download your free guide by Simon Lenney, Carlton Bonds Chairman and former Barclays Bank and Yorkshire Bank Area Director.