INVESTMENT
PLANNING

Your reasons for investing are personal to you as everyone has different goals and aspirations. It can be a daunting task to decide on a suitable investment strategy, and staying on top of your portfolio’s fluctuating fortunes is a demanding task.

That’s why St. James’s Place have put together a range of portfolios designed to help investors like you achieve your financial goals. Their growth portfolios aim to build up the value of your wealth over the medium to long term, while our income portfolios are intended to generate a sustainable level of income. In each category, there are portfolios covering every level of risk from low to high.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

ISAs offer savers and investors the opportunity to put away a sum of money each year without paying capital gains or income tax.

The rules and regulations surrounding ISAs can change, but they remain a useful component of many people’s financial plans.

We can recommend a range of ISA funds for investors, matching the risks you are prepared to take with a strategy for income or growth. We monitor performance and make sure they remain suitable for your needs, and as your circumstances or goals change, we alter our recommendations accordingly.

The value of an investment with St. James’s Place will be directly linked to the performance of funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The favourable tax treatment given to ISAs is subject to changes in legislation and may not be maintained in the future.

An investment in a Stocks and Shares ISA will not provide the same security of capital associated with a cash ISA.

Getting into the savings habit is a great way for children to begin preparing for their own financial future.

It may sound premature, but money put away when they are young can grow into an invaluable sum once there are tuition fees to pay or they need a deposit for their first house.

Junior ISAs make it easy to start saving, and we can help parents, grandparents and guardians choose the right product for the children in their care. It’s a flexible and tax-efficient way to build up a sum that could help them take their first independent steps when they are older – even if that future currently seems a long way off.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and the value may therefore fall as well as rise. You may get back less than you invested.

The favourable tax treatment given to Junior ISA is subject to changes in legislation and may not continue in the future.

Although anyone can contribute to an ISA for a child only the parent/legal guardian can open the ISA for them.

Choosing a discretionary fund manager you can trust is a big step, as they will make decisions about your investment portfolio on your behalf.

We work with Rowan Dartington who provide discretionary fund management and stockbroking and is a wholly owned subsidiary of St. James’s Place.

Your investment goals are the starting point of any decision. Whether you are aim for income or growth, and whatever level of risk you’re happy with, we manage your portfolio with the aim of achieving the best possible results.

The value of an investment through Rowan Dartington and any income generated may fall as well as rise. You may get back less than the amount invested.​

The levels and bases of taxation, and reliefs from taxation, can change at any time and are dependent on individual circumstances.

Bank and building society deposits have been paying lower levels of interest for many years, and investment bonds have been an attractive alternative for many investors.

These are long term investment products that allow you to invest in a number of different funds while helping you to spread risk and simplify your tax arrangements.

We provide access to the St. James’s Place Investment Bond – a flexible product that gives you access to a wide range of asset classes and enables you to take advantage of their distinctive approach to investment management.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

Equities do not provide the security of capital associated with a deposit account with a bank or building society.

Please note that if any withdrawals taken exceed the growth of the Bond, the capital will be eroded.

Unit trusts are a popular investment choice, as they can suit all kinds of investors with a wide range of investment goals.

They are collective investment funds with active fund management, and may include shares, bonds, property, cash or other investments.

We will help you select the most appropriate unit trusts for your needs, perhaps accommodating them within a stocks and shares ISA to increase their tax efficiency. You can be confident that our recommendations are always based on a detailed understanding of your goals and attitude to risk, and as your requirements change, so does our advice.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation and reliefs from taxation can change at any time and is dependent on individual circumstances.

Before you choose to invest in a Unit Trust via an ISA please ask to see the Key Investor Information Documents.

As the name suggests, offshore investments are a way to invest money outside the country in which you are registered for tax purposes.

By opening up access to a wider range of investments and different tax regimes, there may be the potential for greater returns.

There are a variety of reasons why offshore investments may be an attractive option for you, as they are typically set up aiming to maximise growth prospects, spread risk and help reduce your personal liability to income tax and capital gains tax. We always recommend you take specialist advice before opting for offshore investments, and our team is able to give you guidance based on your own circumstances.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

Currency movements may also affect the value of investments.

The levels and bases of taxation and reliefs from taxation can change at any time and is dependent on individual circumstances.