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. We can provide the quality advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals. 

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

Take a look at our guide to see how our solutions can help you achieve your financial goals, read guide here.

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.

ISA

ISAs are one of the most popular and tax-efficient ways to invest and save for the future. The ISA allowance for the 2023/24 tax year is £20,000, and you can use that allowance flexibly, investing in either cash or investments up to that limit. 

A well-diversified and balanced portfolio is key for potential growth. Through regular reviews, the mix can be adjusted to reflect changing needs and financial objectives, or market opportunities. 

Use our simple ISA calculator to see how much your ISA could be worth.

Key Investor Information Documents

Before investing in a Unit Trust via an ISA, it's wise to read our Key Investor Information Documents and Supplementary Information Document.

The value of an ISA 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 you 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 of ISAs may not be maintained in the future and is subject to changes in legislation. 

St. James's Place does not offer Cash ISAs. 

Junior ISA

The younger generation are facing new and difficult financial challenges as they grow up in the modern world. These include university and tuition fees, finding a deposit on a first house, and the realities of having to work longer and make provisions for an income in retirement. 

Our Junior ISA gives young people an introduction to the importance of saving. It provides a flexible and tax-efficient way to build a capital sum and help secure the financial future of your children. A JISA has to be set up by a parent or legal guardian, but after that anyone can contribute.

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.

The value of a Junior ISA 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 you invested.  

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

Unit Trusts

Unit Trusts are a useful investment and work really well if you are looking for medium-to long-term capital growth and income. A unit trust ISA is a type of Stocks and Shares ISA.

Unit Trusts have many uses. They can, for example, give you the flexibility to use your annual Capital Gains Tax allowance and/or your Personal Savings Allowance in respect of interest paid and/or your dividend allowance in respect of dividends.

Unit Trusts must be set up by a parent or legal guardian, but after that anyone can contribute. Parents and grandparents may also use them within a trust to invest for children/ grandchildren although advice in relation to the tax implications will be key.

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. 

Portfolio solutions

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 multiple portfolio solutions available:

Growth Portfolios

Growth Portfolios are designed to help you build up the value of your wealth with the aim of achieving capital growth over the medium to long term. There are five Growth Portfolios, with differing levels of risk.

Polaris

Polaris offers a set of simple solutions for clients who are growing their wealth over time. It is made up of four fund-of-funds solutions, each offering a different level of equity exposure.

InRetirement

The InRetirement range was launched in 2020 and is constructed to support clients who would like to draw regular withdrawals from their investments or pass on wealth. It is made up of three fund-of-funds solutions, which aim to maximise the chance of successful outcomes across a range of withdrawal rates.

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. 

Discretionary and Stockbroking Services

Our discretionary and stockbroking services are for investors who know exactly what they want, or who want to totally delegate control of their investments.  

These services are provided by Rowan Dartington, which is wholly owned by the St. James's Place Group.

With our discretionary service, a dedicated Investment Manager from Rowan Dartington will work with you to create a portfolio that is tailored perfectly to you. They will then manage it on your behalf. We will work with them to ensure that your discretionary portfolio works together with your other investments. 

Through our stockbroking services, we offer advice on individual investments, including direct equities, but you continue to manage your own portfolio.  

If you know exactly what you want to buy and sell, our stockbroking team can provide a straightforward dealing service.  

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. 

Offshore investments

Offshore investments can be really helpful if you’re a parent wanting to provide capital to a child under 18 if you’re expecting your tax rate to fall or you are planning to live outside of the UK at some point in the future. They also benefit investors entitled to an age-related allowance, or expatriates investing while non-resident. 

Our range of international investments offers a solution for investors wanting to invest regularly or by a lump sum and provides access to 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 fund managers 
  • Give you the option of a regular and predictable 'income' 
  • Allow you to switch between funds easily 

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.  

Investing for income

In recent years, the value of money held on deposit has been impacted by changing interest rates and inflation. Consequently, long-term investing for income has become more important.

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, bespoke 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 - in the short term equities can be volatile, but 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 - while the commercial property market offers an opportunity for capital growth over the longer term, the primary return for investors is rental income. By securing long leases with financially secure tenants, investing in commercial property could potentially offer attractive and sustainable income levels. 

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

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 2023. 

Investment Bond

Our Investment Bond offers a simple yet flexible solution to income, capital growth and tax planning needs. 

Investment Bonds are long-term investment products that let you spread risk and easily switch between funds as your needs change. 

The main benefits of our Investment Bond are: 

  • Opportunities for you to diversify your investment and spread your risk 
  • Access to a flexible range of options to take a regular, tax-efficient income 
  • Freedom to switch funds easily as your needs change 
  • The ability to manage and potentially reduce your personal liability to tax 
  • Minimal administration. 

Please refer to the St. James's Place Investment Bond brochure for further information.

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.  

If the income taken exceed the growth of the Bond, the capital will be eroded. 

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

Find an adviser

Our experienced advisers offer professional, tailored, face-to-face advice based on your current circumstances and future aspirations. Start your journey now and find a St. James's Place Partner in your local area.