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.

¹Source data: Barclays Equity Gilt Study 2016.