Investment planning

Whether you are looking to invest for income or growth, the right investment strategy is critical in helping secure your future financial well-being. I can provide the quality advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals.

St. James's Place's risk-rated portfolios enable you to spread your investments across a wide range of global asset types and choose fund managers with different investment styles to create a balanced and diversified investment solution.

Access to St. James's Place fund fact sheets, key fund information and performance data can be found here.

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 younger generation is facing new and difficult financial challenges as they grow up in the modern world: university tuition fees, the challenge of getting on the property ladder and, further ahead, the prospect of having to work longer and make provision for an income in retirement.

The St. James's Place Junior ISA can help give youngsters a head start and an introduction to the importance of saving. It is flexible, tax efficient and has the potential to build a capital sum to help secure the financial futures of your children.

Key Investor Information Documents

Before investing in a Unit Trust via a Junior ISA, it is important that you read our Key Investor Information Documents and Supplementary Information Document.

You should be aware that 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 the amount invested. 

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

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

Unit Trusts are a useful investment.  They offer the opportunity to benefit from a stock market investment without further liability to Income or Capital Gains Tax.

They are often seen as a key component of a stocks and shares ISA and offer a range of other benefits to investors including a range of solutions that aim for medium to long term capital growth and income and the flexibility to use their annual Capital Gains Tax allowance.

Furthermore, when used in conjunction with a Trust*, they also offer an alternative solution for investments on behalf of children.

Key Investor Information Documents

Before investing in a Unit Trust, it is important that you read our Key Investor Information Documents and Supplementary Information Document.

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.

* Trusts are not regulated by the Financial Conduct Authority.

Understanding how to invest your money can be daunting. So, to help you choose investments that are appropriate to you, St. James's Place have created risk-related Growth and Income Portfolios.

Growth Portfolios

Growth Portfolios are designed with the aim of helping investors build up the value of their wealth and achieve capital growth over the medium to long term.

They could be suited to those who might be, for example, investing for retirement or saving to pay future tuition fees.

There are six Growth Portfolios, with differing levels of risk.

Income Portfolios

The Income Portfolios aim to generate an attractive and sustainable level of income. These Portfolios may be appropriate for investors looking to generate additional income for retirement. There are three Income Portfolios, with differing levels of risk.

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.

Offshore investments are often an attractive option for parents wishing to provide capital to a minor, or those expecting their marginal rate of tax to fall. They benefit investors entitled to an age-related allowance, or expatriates investing while non-resident.

St. James's Place offers international investment solutions for investors wanting to invest regularly or as a one-off lump sum into a range of asset classes and currencies.

These investments are set up to:

• aim to maximise growth prospects
• spread risk
• offer a range of carefully selected and monitored Investment Managers
• give you the option of a regular and predictable 'income'
• allow you to switch between funds easily
• help to reduce your personal liability to Income and Capital Gains Tax.

For further information please refer to our International Investment Bond brochure.

Note: This information is based on existing legislation and HM Revenue & Customs practice and does not amount to tax planning advice. Any potential investor unsure of their tax position should take advice before investing.

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 value of investments may fall as well as rise purely on account of exchange rate fluctuations.

Please note that if the income taken exceeds the growth of the investment the capital will be eroded.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.  

Over the last decade, the value of money held on deposit has been impacted by ongoing low interest rates and inflation; as a consequence, long-term investing for income has assumed greater importance.

St. James's Place offers a range of income-generating investment solutions across a range of asset classes, giving you the opportunity to build a diversified, personally-tailored portfolio.

Alternative sources of income include:

• fixed interest - corporate bonds and gilts offer the potential for increased income in times of low interest rates
• equities - whilst in the short-term equities can be volatile, history shows that they have outperformed all other asset classes over the longer term and offer the potential for capital growth and rising income ¹
• commercial property - whilst the commercial property market offers an opportunity to achieve capital growth over the longer term, the primary return for investors is rental income. By securing long leases with financially-secure tenants, commercial property could potentially offer attractive and sustainable income levels.

Diversification and expert management is key to long-term success in challenging markets.

The St. James's Place approach gives you access to investment expertise and a range of different investment firms, with the peace of mind of knowing that your money is being well looked after.

For further information on strategies to cope with lower interest rates and alternative solutions to help achieve your income or capital growth objectives, read our brochure.

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.

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

Past performance is not a guide to future performance.

The value of property is a matter of the valuer's opinion and not fact.

¹ Source data: Barclays Equity Gilt Study 2016.